Collision, who pays?

Resolution

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As the ex owner of a charter company, thanks to Maxy and Melody for knowledgable sensible contributions. My preference as charter owner / manager was to ask charterers for a substantial security deposit. The careful charterers who caused no damage would get it all back, no cost. Those who were less careful and caused damage had to suffer the consequences. We found that when we offered an insurance scheme to cover all damages then charterers were VERY significantly less careful and much more minor damage was done. IMHO the CDW waiver led to a couldn't care less attitude.
 
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