What is important here is that the competitors are aware of the 'applicable navigation rules'. This is not aways clear. Port areas often have more specific navigation rules. Lakes/inland waterways could be anything (COLREGS = sea.) RRS do not conflict with COLREGS merely provide more detailed prescriptions for racing.
I agree that sailors should be aware of government right-of-way regulations. They apply when the Racing Rules of Sailing do not (e.g. when going to and from the racing area, and with boat(s) in the area that are not racing). However, the RRS
do conflict with the COLREGS (they are often similar, but are not the same). It's important to realize that when the RRS apply, COLREGS do not.
One thing I have not seen mentioned is that I was advised the insurance company of the defendant could limit their liability in terms of 'damage compensation' to a scale used for International shipping. This is based on tonnage, and if used for lightweight racing cats is a pittance.
I don't believe that argument will hold up. Sailboat racing is not international shipping. I'd mistrust any insurance agent that told me my liability was limited by weight.
Sincerely,
Eric
