Collision(In-Land Rules of the Road)
If a relatively new crew member of sailboat runs into a bridge and de-masts the vessel while the owner of the vessel is below...
Here is the account according to the crew member:
"(Name deleted) was greatly at fault for many reasons. He left me at the helm in a difficult channel while he went below to do computer work and made it clear he didn't want to be disturbed until we got to the (Name deleted) River. He forgot about the drawbridge. The channel had many shallow and shoaled sections and he insisted I focus on the depth and chart plotter to avoid running aground. I yelled for help at the last minute and he ignored me. Other things too, never mind..."
Who is responsible and to what degree?? Cite 'Rules of the Road' and Seamanship to reference too.