NavRules dont govern accidents like this...here's the definition of collison:A collision is an isolated event in which two or more moving bodies (colliding bodies) exert relatively strong forces on each other for a relatively short time.
Nor do they assess responsibility for one party accidents. Plus I doubt any agency particularly cares about something like this, unless you damage the bridge..,
So probably the important document is the insurance policy, and you can pretty well bet the owner will pay the deductible, and is out the money unless he wants to try suing the crew under the same laws he would if the guy crashed the owner's car. legally, responsibility is a moot point, unless the owner is a lawyer with time to burn. If there were no insurance, this could get interesting.
More information from crew member:
"a marine law enforcement guy made a report and just now gave me a
ticket and summons to a far-off court in (jurisdiction deleted), where I must be present at some unknown date, to be charged with 'failure to observe
nautical law', a misdemeanor. He mentioned the court is right next to
the jail. How convenient..."