kadet wrote:
It is actually a very well known myth, urban legend or just plain good old bulldust that has been around since the 1960s. MY wife works in insurance and called that one straight up.
As is mine, accredited, commercial, residential auto, marine, the works; this 'myth' has been floating around for a lot longer than the sixties and is thought to have originated around 1880-1900 (and settled out of court) when insurance was more readily available to the general public and was the hottest thing and policies were lose at best with little to no regulation (you could write a policy out of the back of a wagon).
Also when speaking with a broker or sales agent on issues regarding any questionable mater, ask to speak to an underwriter instead. Your broker can say just about anything but it does not mean you're covered nor does it constitute a contractual obligation by the company. Many cases where people were told / assumed they were covered due to broker not understanding the terms, adjuster picks up on error during a claim and denies coverage. Nothing is real in contract law unless it is in writing.
vkmaynard wrote:
LOL, illegal
Yep the 90 was my gateway motor
Just added an intercooler and supercharger to my 2nd Mustang. One day I'll feed my over-power habit and install a 250 to beat Billy's 140. Need to sell more 90s to support my bad habit.
Had a Mac'r call me at my house last weekend for advice on 90 re-poweing abuse for his boat. Another unsuspecting innocent
When do the urges end... Is there and over-power anonymous group where people can help
Victor
Ya illegal is wrong. Insert legally responsible. The funny part is, if you help him install that you’ve created a fiduciary duty between the two of you and if he harms himself or others (and can prove you helped him and there was a duty of care established) he can come after you for damages. So how well do you trust him?
The same goes for cars. If you don’t inform you’re insurer of your upgrades and you have a loss they’ll only pay out what you’ve listed in your policy. If you kill someone and they look further into it they may go after you for gross negligence, although there are a ton more driving regulations and rules that help reduce / determine your liability as a driver (centerlines, stop lights, signs etc) that don’t exist on the water.
Gazmn wrote:
Like I (and Mike) said before if you had a dealer install it and you have a receipt / proof of purchase then you’ve reduced your exposure. It comes down to credentials. If you’re in court (be it a lawsuit or battle with your insurance company) you have to prove beyond a reasonable doubt that the oversized motor did not affect the ability to handle / structure of the boat. If you can point over to the manufacturer or a dealer/engineer/mechanic and say “ask them, they approved it” you’ve greatly reduced your liability if not eliminated it. If it’s just you up there saying “Ya it’s never been a problem for me before”, they’ll simply ask you what credited experience or credentials you personally have that qualify you to make that decision which contradicts the manufacturers recommended specifications. If you personally hang anything above the specs off the back of your Mac in your driveway yourself it’s all on you.
One more thing…look into your local laws as Sates each year seem to be introducing legislation to crack down on this. Might be fine this year but not next.
raycarlson wrote:Mac 26M and Naval architect in the same sentence. Now that's humorous.............
If you think Roger put more than 20,000 boats on the water and never consulted a lawyer, structural engineer, draftsperson or architect you’re out of your mind. One lawsuit from one boat accident he’d lose everything.
it was only rated for 50hp I put a 60hp on no problem at all and low and behold Rodger starts selling factory 60s a few years later. 
