Sailors assume that this issue is black and white. If on starboard... they are always in the right.

Actually, just because you violated a rule... does not mean that you will be crushed in a collision and must pay for everything.

The starboard boat could also be dsq'd for failing to avoid the collision. Thus your insurance company could easily decide responsiblity is 51% vs 49 %. or even decide 100% for starboard boats liability.