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Old 09-08-2009, 06:34 AM
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Post Can you Exceed Max HP Rating ???

Is the max hp rating set in stone? Can you strap on larger motors and still get insurance, coast guard etc... I saw a 26' boat with twin 300's this weekend with a max hp rating of 500, made me wonder about the legality and possibilities...
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Old 09-08-2009, 06:46 AM
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i doubt you could get coverage. also, if it is a new boat, the mfg would probably void all warranty if you did it. i know for a fact that one mfg has already stated that mounting the new f300's and f350's on prior hulls will void hull warranty (and that's even if you stay in rated hp).

if an accident occurred, i don't think it would help your case if the hp was over rated.
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Old 09-08-2009, 06:55 AM
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My insurance company (Travelers) said they didn't care what size engine was on the boat. They said the rates would probably go up due to insuring a bigger engine, but that was it. There are no coast guard laws against going bigger than the plate says, there may be state laws however.

As far as an accident is concerned, i would think engine size would only become important if speed was somehow involved.
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Old 09-08-2009, 03:55 PM
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My insurance company (Travelers) said they didn't care what size engine was on the boat. They said the rates would probably go up due to insuring a bigger engine, but that was it. T.

thats cool, i wonder if all insurance co's are like that or just yours?.
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Old 09-08-2009, 04:13 PM
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My insurance company (Travelers) said they didn't care what size engine was on the boat. They said the rates would probably go up due to insuring a bigger engine, but that was it. There are no coast guard laws against going bigger than the plate says, there may be state laws however.

As far as an accident is concerned, i would think engine size would only become important if speed was somehow involved.
I'm sure insurance companies can spin the story one way or another, for example.. The extra weight of the engines caused the boat to take longer to slow down, causing more damage, etc..
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Old 09-08-2009, 05:14 PM
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The more weight on the stern may actually hurt performance, and handling.
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Old 09-08-2009, 05:46 PM
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used to ski from a 15 Whaler when I was a kid that had a 90hp on it. Max horse was 70hp. Boat was silly fast and felt overpowered. I'd be careful overpowering a boat. Those ins cos can screw you if and when they want to.
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Old 09-08-2009, 05:59 PM
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Quote:
Originally Posted by SoFlo Shark Hunter View Post
Is the max hp rating set in stone? Can you strap on larger motors and still get insurance, coast guard etc... I saw a 26' boat with twin 300's this weekend with a max hp rating of 500, made me wonder about the legality and possibilities...
Every possibility is a bad one.
Dont do it.
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Old 09-08-2009, 06:09 PM
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^^^^^^

Yeah, I've seen what a blood thirsty shark of an attorney can do when a person puts on HP in excess of what the label states is the max HP for the boat and then that same boat injures or kills someone.

Thankfully, the shop that I was running at the time didn't sell or install the motor...
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Old 09-09-2009, 04:42 AM
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As I remember, the plate limit is only really set in stone for vessels 20' and under.
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Old 09-09-2009, 06:25 AM
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Quote:
Originally Posted by Joe View Post
My insurance company (Travelers) said they didn't care what size engine was on the boat. They said the rates would probably go up due to insuring a bigger engine, but that was it. There are no coast guard laws against going bigger than the plate says, there may be state laws however.

As far as an accident is concerned, i would think engine size would only become important if speed was somehow involved.

They're happy to because it's now guaranteed 100% profit for them. They know they get your money and if anything ever happens, they have a perfect excuse to rescind.

Maybe I'm a little too cynical LOL, but seriously, insurance companies can sometimes rescind even if it was the underwriters mistake and not yours. So, I would be careful.... If you ever have a major claim, it does potentially give them ammo.
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Old 09-09-2009, 07:45 AM
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i have a grady 20hp over the label and its never been an issue
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Old 09-09-2009, 08:06 AM
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Quote:
Originally Posted by mike carrigan View Post
Every possibility is a bad one.
Dont do it.

X2
that says it all where Insurance Coverage and Personal Liability have any bearing on your decision.
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Old 09-09-2009, 08:26 AM
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Comon guys, Common Sense 101: Accident where you are found liable, insurance adjuster checks the capacity plate then checks your set up and load to see if you are within all limits. There are reasons why any hull 20' or less has max HP rating. I believe I read somewhere that marine mechanics are not allowed to work on boats that have power in excess of listed maximum - I'll check on that.
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Old 09-09-2009, 08:30 AM
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Not sure how old this is, but it came from USCG site:
It is not a violation of Coast Guard regulations to install or use an engine larger than specified on the capacity label, but there may be state regulations prohibiting it, and restrictions from your own insurance company regarding this.
There are no Coast Guard regulations against exceeding the safe loading capacity, however, there may be State regulations or restrictions from your insurance company which prohibit this. There is a Coast Guard regulation that gives Coast Guard Boarding Officers the power to terminate the use of a boat (send it back to shore) if, in the judgment of the Boarding Officer, the boat is overloaded. There is no fine for this, unless the operator refuses the Boarding Officer's order. We certainly hope that you will abide by the rating, as overloading may lead to capsizing or swamping of the boat.
NOTE: The Coast Guard Capacity Information label is required only on monohull boats less than 20' in length. The label is not required on multi-hull boats, pontoon boats (catamarans), or on any sailboats, canoes, kayaks, or inflatable boats, regardless of length.
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Old 09-09-2009, 08:34 AM
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I have no idea what "legal weight" these "ratings" carry but all you have to do is look at a few bass boats to know they are a joke. How do those things get rated so high?
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Old 09-09-2009, 11:54 AM
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Quote:
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I have no idea what "legal weight" these "ratings" carry but all you have to do is look at a few bass boats to know they are a joke. How do those things get rated so high?

or even a small bay boats with 300's or 350's on them..
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Old 09-09-2009, 05:10 PM
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Quote:
Originally Posted by JoeR2 View Post
Not sure how old this is, but it came from USCG site:
It is not a violation of Coast Guard regulations to install or use an engine larger than specified on the capacity label, but there may be state regulations prohibiting it, and restrictions from your own insurance company regarding this.
There are no Coast Guard regulations against exceeding the safe loading capacity, however, there may be State regulations or restrictions from your insurance company which prohibit this. There is a Coast Guard regulation that gives Coast Guard Boarding Officers the power to terminate the use of a boat (send it back to shore) if, in the judgment of the Boarding Officer, the boat is overloaded. There is no fine for this, unless the operator refuses the Boarding Officer's order. We certainly hope that you will abide by the rating, as overloading may lead to capsizing or swamping of the boat.
NOTE: The Coast Guard Capacity Information label is required only on monohull boats less than 20' in length. The label is not required on multi-hull boats, pontoon boats (catamarans), or on any sailboats, canoes, kayaks, or inflatable boats, regardless of length.
Not a bad post but open for interpretation.
There is no dealer or manufacturer that I know of that will take the liabilty on of overpowerering a boat.
We post H.P. limits on our products, all sizes.
If someone tells you it's ok, no sweat, believe what you wish.
See you in the deposition.
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Old 09-09-2009, 05:37 PM
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I have wondered this same thing as I own a '98 Seacraft 23' CC that is rated at 300HP max, the earlier 23' Seacraft hulls were rated at 400HP, somewhere along the progression they derated the same hull by 100HP. There's a formula somewhere that I just read, for figuring the HP rating, can't remember where. I thought it was on this site somewhere.
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Old 09-10-2009, 07:27 AM
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Quote:
Originally Posted by mike carrigan View Post
Every possibility is a bad one.
Dont do it.
What about when you are restoring a 87 hull and call the company twice to get the info on the hull max horse power ect. and their response is "We don't have any info on hulls prior to our purchase of the company".
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