Yep, I'm the biach that found out about the whole cargo deal. Now it would cover anything the boat hits after the deducatable (and your rates go up), but the boat itself is SOL.
Progressive asked my to get the cam specs before they would insure. Not sure what they do if I change it later.
AAA physically has to see the boat before they will insure, but they had a better rate. I am putting the single plane on it, a cover, and through transom exhaust to make sure no insurance issues pop up while the inspection happens.
I am going to make sure its insured no matter what, in a stated value amount (non depreciated). I need to see what the AAA policy actually is, otherwise I'll end up with progressive.
Marc if you have a contact in AAA, PM me.