Yes, I think you hit the nail on the head. The owner of the boat should be responsible for what happens to the boat. I think it's also about streamlining transfers of ownership. Again, I hate to bring up the cars example, but it's just making sure that it's very clear who the owners are.
I think what often happens—and what I see, anyway—is that sometimes those transfers don't happen in time, or some people just don't carry them out right away, and they just buy a boat, as an example, off somebody and start using it.
I think that obviously whoever the owner is at the time of the accident should be responsible for it. I'll say it again. Before the incident happens, let's prevent it from happening, and if it does, let's not wait for an insurance provider to step in and fix it. Let's fix it.