Insurance!?
What gets me on this is... if I was the insurance company I'd have a clause in the contract that states, "all coverage is null and void if you are stupid enough to go out and get hammered, get into a boat and drive it wide open into an island"! All of this should be nice out-of-pocket expense for the owner / driver and then maybe his mommy can take it out of his allowance!? If I did something THIS careless (and just plain dumb) at his age, my old man - being a decorated Marine sharp-shooter that he is - would have creamed me!! Never mind johnny-law, I'd take the time in the big house over time in my house...
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