I'd love to hear a true story about an insurance refusing coverage because someone added a light to a boat. If you insure it as a PWC and the policy states clearly that it is not covered for night use, then I can see how coverage would be denied, but if it's insured as a boat, night use is not excluded, and the lights are installed and used in a manner that meets legal requirements, I can't imagine how coverage could be denied. Definitely want to read your iunsurance policy...
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