Speaking of maritime law and insurance and such. This question may have been answered before when I wasn't looking, but this seems like an ok place to ask again.

When it comes time to make a claim from a racing accident, do the insurance folks give a rat's patootie about the racing rules? In other words, if after the protest hearing dust has settled and the racing community holds one skipper or the other at fault, does that have any sway over who the insurance companies want to hold responsible? They'll certainly look at general rules of the road, but do they know and care about inside overlap at a mark, or the general case that any incident causing damage DSQs both boat involved? Can we envision a scenario where the two may be at odds? And if the two boats involved want to handle the damage without the insurance folks, do they typically do that by following the racing rules or by trying to what the insurance companies would do? Typically my involvement with such things the skippers worked it out amongst themselves, but last year there was an incident in which there was no agreement and it was thought that maybe the decision of the protest would hold sway - but most of us had a hard time believing that for a couple of reasons.

Any thoughts? Have we already answered it?