He in me head on doing 30 kts on a clear day while I was sailing about 3.5 kts. He had about 5 girls in bikinis and wasn't paying attention. I was thrown off the boat and my uncle held on. We were both okay and Law enforcement came to the scene and said he wasn't drunk but at fault so his insurance co paid up after much arguing about value. No matter what you do say you are hurt because they only pay fair market value. And fair isn't so fair!