Mary, are you thinking a no fault insurance application? Several states have gone to this type of coverage. Basically, no one is at fault and each party takes care of their damages. This is only used in auto coverage. The premiums are higher for coverage but you don't have to worry about uninsured/under insured.
No. I just think the race committee, organizer, club, whatever, should not be involved at any level, in terms of whether a sailor does or does not have insurance to protect himself in terms of liability. If you get into an accident with your boat, it's YOUR problem. PERIOD.
