The driver had some remarkable bad luck, which will at least allow some justice. If not for the amazing coincidence of the Mount being right there at 3AM, he would have got off scott free. Without the Mount seeing them, they would have been stuck on the island until dawn. By then they would likely be sober. Without the booze this is just an accident. Insurance company fixes the boat. all is forgiven. As another accident showed, it's hard to prove BUI after the fact.
Do auto or boat insurance companies refuse coverage of accidents caused by drunks? I don't ever remember seeing that in the policy. Auto insurance at least is regulated by the state, I don't know about boat insurance.
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