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Hit a rock with chartered boat in Sardinia
This is my first post here but I'm a bit desperate for advice. Apologies if this is the wrong forum.
I've been a skipper for chartered tours for 4 years now, never ran aground until yesterday.
Am sailing a 2017 Dufour 412.
I thought I was done navigating the shallow passage between Maddalena and Caprera, full of rocks, was going slow and had people on watch. A few seconds of distraction and overconfidence and just as I was reaching deeper waters on my way out, I hit the only rock surrounded by 10m depth... Bad luck but also stupid of me, was a clearly charted rock, I was just looking at the green buoy ahead.
Anyways, I can't change that now. Thankfully, the damage doesn't seem too bad. The keel bolts/hull all intact from the inside, no visible cracks, the bilge is completely dry. The keel isn't dented, only surface scratched.
But it's still undeniably damage which is my fault, and the damage deposit is €3500.
My question is: based on the pictures of the keel damage, is it reasonable for a charter company to insist on having the boat pulled out of the water for repairs? What should I reasonably expect to pay for this -- the whole damage deposit?
Thanks for your hopefully reassuring, but otherwise useful in any case, advice.