I think that in the UK market (at least) the insurance companies sort it out them selves, there is (as far as I am aware) not a "clause C" in our racing regatta rules (you just sign to say you have 3rd party cover to the value of), but then we have what I believe is a watertight set of insurace clauses and so it is very unlikely that one of the insurance co's won't pay.

Sounds like you guys in the US have been victim of some sharp practices by the companies involved.

Our 3rd Party cover is for the damage to the other boat and also for injuries. In the 2 big shunts I've had (one my fault one not).... (admittedly both over 15 years ago)

When It was my fault the company just paid up as it was a windward leaward.

The other was a Port stbd and the other boat just weaved all over the place and made it impossible for me to avoid them.



There would be such an outcry and chaos at Lloyds if an insurnace company refused to pay that it would just not be worth it for the insurance co concerned.

IMO those involved have been "had".

Find a reputable insurance comany and use them.