Martenson v. Massie

The question in this petition for declaratory judgment is whether a boat with inboard-outboard motor power in excess of 50 horsepower is covered by an insurance policy which excludes boats with “inboard motor power” in excess of 50 horsepower. We hold that there is coverage.

This action arises out of a collision between two boats on Lake Winnipesaukee. Bruce Massie was operating his father’s boat which was powered by a 120 hp. inboard-outboard motor. The minor plaintiffs were occupants of the other boat and claim to have been injured. The Guarantee Mutual Assurance Company of America had…