Think about it from the victims point of view. I'm sitting on my million dollar yacht, drinking champagne with super-models, anchored in Wolfeboro Bay. The wind blows your unmanned boat into my boat causing me to spill my drink, upset my guests and scratching my boat.
Who is my lawyer going to call? You the boat owner.
Will he be deterred when you tell him stories about mooring balls, shackels and chaffing gear. No, but he may call the mooring owner, just in case you don't have enough money to pay.
Now maybe you or your insurance company will go after the mooring owner but that's your business. Your boat hits my boat, you pay me.
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