Windy wrote
I'm not about starting protests for the sake of protests but when a boat is damaged there must be a proper procedure for placing liability.
Sorry... Liability assignment will not happen.
That's up to your insurance or civil court to assign $$$. It is explicitly ruled out by the RRS.
It should be handled right then and there and both parties should be treated equally.
No question! And that is the process the sport has in place. the PC should be formed, testimony taken and the RRS applied. The PC must deal with misconduct and sportsmanship issues as well.
If insurance is required to play all competitors must have some form of coverage, at a minimum liability. When an accident occurs the details should be recorded, a protest heard, fault assigned and then it goes to the insurance company for payment. Either a separate liability policy or homeowners liability coverage must be enforced to protect the competitors. I have enough to think about on the race course, I certainly don't want to be worrying about who has insurance and who does not in tight quarters at the line or rounding a mark!
Sorry, the RRS do not require a competitor to have insurance or the PC to assign liability.
See the document on liability coverage for why OA's probably don't want to collect this info or require liability coverage.
I think you have the insurance coverage idea backwards... YOU purchase insurance for YOUR peace of mind and to cover YOUR assets when some bozo hits you and your liability when you screw up or an act of god zaps you. It only matters to your insurance company if the other guy has insurance.
You have coverage... you should be able to race hard because you KNOW you are covered.
