glad to hear that you are all still sailing and I hope that your wife's injury has healed well, though I am aware that one never really fully recovers from such things. Amazing to me that there is any further discussion to be had regarding culpability. It ought to be perfectly obvious, even to an insurance company that the person who caused the incident (that was no accident, accidents don't stem from gross negligence and wanton disregard for life in my view) is liable for damage caused by it.
Anyhow, as you pointed out earlier, lots to learn from this. All the best in the new year,