I wouldn't sweat it too much. In all my years of fishn' in and out of boats, I've only seen one instance where the cap tag (capacity tag) on the hull was smaller than the motor's horsepower, and that particular case was a warden in a really bad mood. And I mean REALLY bad. Down to checking the tire's tread depth on the trailer and everything.
Progressive...seen mention of it in a prior post. Wouldn't give you $.01 for a policy through them, and for a lot of reasons. I deal with them often at work and there's a reason they're "cheaper". Just went through a deal last week where the vehicle owner had a claim and insurance company wanted a TOTAL teardown (complete to removing gears from shafts), and then they denied the claim and left mr. customer with a totally disassembled machine that has no value and no they did not pay to reassemble. That's only one of many. 90hp Yamaha guy hit a rock jetty on the river and hurt the lower unit, insured through progressive, they came in and asked for an estimate...I give it to them, they review it, then said pull the prop shaft out and let's measure it (it was obviously bent..severely). Ok sure, you pay the labor. They agreed. Removed the prop shaft, adjuster brought in HIS own V-blocks and dial indicator (like mine were bad or something?), measured it at over .400" of bend (I said it was obvious didn't I?)...had a peek inside the foot, broken gears, damaged housing, all junk. New foot plug 1hr labor was right around $1600, from Yamaha. So what'd Progressive do? They bought a JUNKYARD foot, told me to put it on...did...it was junk. Called customer and insurance, insurance said it was guaranteed (guaranteed junk?), they paid me to remove it, then they sent it back and got another one...shipping costs were responsiblity of insurance (both ways). So after 2 lower units and shipping costs and labor, they were right at $1600 and still a junkyard foot that doesn't match the color of the leg (sun fade)....but now they've got a customer who's totally upset, a repair shop that is close to refusing progressive insurance claims, 5 weeks wait time on the 90hp deal and 11 weeks on the other. Oh I could go on for hours. I had a claim through them once too but it was because I was rear-ended by a chain reaction, faulted driver was intoxicated...insurance denied it (had arrest/booking and police records to prove it), they did every single thing possible to get out of it, and in the end I won...but still couldn't get enough out of them to fix the car correctly ('85.5 Mustang SVO). I settled for what I could get, sold the car for way more than it was worth, and moved on. That car's age is what the problem was; they called it "junk" and had no clue how rare it was, which meant it was going to cost more to fix it due to the specifics of the parts.
Progressive...seen mention of it in a prior post. Wouldn't give you $.01 for a policy through them, and for a lot of reasons. I deal with them often at work and there's a reason they're "cheaper". Just went through a deal last week where the vehicle owner had a claim and insurance company wanted a TOTAL teardown (complete to removing gears from shafts), and then they denied the claim and left mr. customer with a totally disassembled machine that has no value and no they did not pay to reassemble. That's only one of many. 90hp Yamaha guy hit a rock jetty on the river and hurt the lower unit, insured through progressive, they came in and asked for an estimate...I give it to them, they review it, then said pull the prop shaft out and let's measure it (it was obviously bent..severely). Ok sure, you pay the labor. They agreed. Removed the prop shaft, adjuster brought in HIS own V-blocks and dial indicator (like mine were bad or something?), measured it at over .400" of bend (I said it was obvious didn't I?)...had a peek inside the foot, broken gears, damaged housing, all junk. New foot plug 1hr labor was right around $1600, from Yamaha. So what'd Progressive do? They bought a JUNKYARD foot, told me to put it on...did...it was junk. Called customer and insurance, insurance said it was guaranteed (guaranteed junk?), they paid me to remove it, then they sent it back and got another one...shipping costs were responsiblity of insurance (both ways). So after 2 lower units and shipping costs and labor, they were right at $1600 and still a junkyard foot that doesn't match the color of the leg (sun fade)....but now they've got a customer who's totally upset, a repair shop that is close to refusing progressive insurance claims, 5 weeks wait time on the 90hp deal and 11 weeks on the other. Oh I could go on for hours. I had a claim through them once too but it was because I was rear-ended by a chain reaction, faulted driver was intoxicated...insurance denied it (had arrest/booking and police records to prove it), they did every single thing possible to get out of it, and in the end I won...but still couldn't get enough out of them to fix the car correctly ('85.5 Mustang SVO). I settled for what I could get, sold the car for way more than it was worth, and moved on. That car's age is what the problem was; they called it "junk" and had no clue how rare it was, which meant it was going to cost more to fix it due to the specifics of the parts.
