Johnoly
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Not accident related, but I agree with @Wookie 100%. It's a common maintenance item just like shaft packing, etc. Shift cables need adjustment every couple of years due to wear and stretching. But I wanted to add one more thing....The third is caused by sloppy shifter linkages. You can put the handle in the wheelhouse in neutral, but if the cable is stretched or the ball and socket is worn, it may not completely disengage....
If a cable is out of adjustment, I'll notice it usually the very first thing in the morning when starting the boat. Turn the key and It will just "click" and not turn over. 99% of the time I'm thinking "loose batt cable" and the starter is not getting full power. Recheck and still getting just 'clicks'. Then I'll wiggle the throttles and reverify that I'm in neutral which will allow the engine to start. Most older boat engines don't have an electric safety switch like cars when out of neutral. The reason you get a "click" is because with the transmission engaged, the starter is not powerful enough to turn over both the engine and the whole transmission with running gear. So your first indication of an out of adjustment cable is the boat won't start in the morning until you wiggle the throttles. Again, nothing above is accident related, I'm just helping readers understand better how older boats work.