RedactedNarrative: Operator claimed he bought the vessel 3 or 4 years ago from a friend.  No proof of registration or bill of sale.  Registration of vessel is still in prior owner's name.  Registered owner of vessel stated that he still owned the boat and trailer and that the operator was making the payments.  Operator said he got a call that his vessel capsized and is total loss.  He claimed the mooring line got wrapped up at low tide and when the tide came in the vessel capsized.  The mooring he had has vessel on was in someone Else's name.  His vessel trailer is not registered as it was revoked for insurance issues.  Vessel was worth 3,000 but he had it insured for $16,000.  Investigator concludes even though the circumstances surrounding this incident are outside the normal realm of vessel use, documentation, transfer and accident circumstance that this event is accidental and attributed to lack of use and proper maintenance of involved vessel.  Operator was criminally cited for attaching expired utility plates to the boat trailer and an unregistered trailer.