Silvertip
Supreme Mariner
- Joined
- Sep 22, 2003
- Messages
- 28,771
I tend to agree that the "hang man" will not come to visit if you have a boat that is overpowered. But in our society today there are so many ambulance chasers that even a pinched finger involving a vessel that is over powered could result in a trip to the courtroom of injustice. For those that poo-poo this situation, check your insurance policy (not the agent) to see if your insurance lists a boat and engine HP and serial number. If there is a specific engine and HP listed, AND you have lied about the power plant, or replaced it with a higher HP engine you have left the door open for legal action and possible denial of coverage. Will it happen? Who knows! You pay your money and take your chances. It is the insurance end of this discussion that should be more of a concern than the laws governing boat power plant size. It is common to use the "hot rod" analogy in this discussion as most of these cars are repowered with engines that have many times more power than the original. However, most of those cars are driven very infrequently and not likely to be involved in serious accidents, AND they are generally covered by a Collector Car Insurer such as Haggerty. That takes this over power stuff into account.