Or at least here in the US your friend / crew gets hurt and they agree it was a simple accident
and think nothing more of it. They go to the doctor with their health insurance
and get patched up thinking that's that until the health insurance
comes after you for repayment. True story. Or similar going on in my mailbox right now a family member
visiting for the holidays slipped and fell in the bathtub breaking several ribs and puncturing a lung requiring a several day hospital stay. The family member
stated it was a simple accident
and the tub was indeed safe and even has grab bars. This person also carries complete healthcare coverage but guess who was deemed responsible by their health insurance
despite the strong opposition to the injured.
After the above experiences I will always carry at a minimum liability. Neither individual thought anything about blaming me but their insurance certainly did. Neither incident was major dollars (less than 10k combined) but would put a dent in any cruising kitty. Fighting these examples in court would cost by best guesstimate from an attorney friend would be 2-3x the actual figure and more if you lost
I personally am very careful. I am regularly teased for the number of dock
lines that secure my boat. I add more if a gale is predicted. I am ridiculous about safety
according to many. I consider insurance for catastrophes but sometimes even then it isn't enough.
There are many with the IMO flippant attitude that insurance will save the day. I know these <ahem> individuals pay are part of my premium and at this point in time I'm ok with that. Attitudes toward insurance appears to be a generational thing too.
I believe in personal responsibility. I don't think it's right to damage someone else's property and not make it right if I am at fault. I also consider insurance protecting me from those who do not share my attitude.