Ah, ok, I did have a look around there but didn't really find anything. The firefighter skin is on purpose though. I'm pretty sure for their role-playing games, its just easier to pick a firefighter skin the way they have it. It doesn't necessarily bother me; its not a huge deal like crashing into a boat during a pursuit on the freeway is :P
Yeah, when I get in the boat it has the boat name, not a car. It must be like a Taxi Bug but with boats, like what Nortie said.