Scenario 1 Let's say the International 14 is insured, a NZder (Let's say it the injured is Peter B), the ILCA sailor is not insured (and is also a NZder), and it is in New Zealand. The owner of the Int. 14 gets paid out by their insurance company in accordance with their policy. They get medical treatment paid for by NZ's universal healthcare and via ACC, including up to 80% of his lost income and modifications to his house. Also a payout for a special car is made. The