You should probably call the police. 911 will do.
It is necessary to wear a life jacket when boating because, even if one know how to swim, one can get in an accident and become unconscious. If that happens with out wearing a life jacket a person can easily drown and not be easily spotted.
It depends on the state the accident occurred in. In California the renter is responsible. Again this varies by the state of the accident.
First address any injuries that result from the event, then secure the area and notify management of what has occurred. An investigation should follow.
The same thing that happens if you did not have an Sr22. The at fault parties insurance generally pays for the accident.
If an accident occurred, it is not uncommon to find damage after the fact. Even in slower collision, there can be damage underneath the bumper of the vehicle. Happens all the time. In those circumstance, the party at fault can choose to either pay out of pocket for the damage or file the claim with their insurance company.
You and the owner will be sued for damages, hopefully there were no injuries because if there are, your life as you now know it will be over. There is nothing more reckless than to drive a car without insurance....
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
You had an accident, that is what happened.
An accident that happens normally at a place of work. Industrial accidents are normally referred as that if there is a wide scale accident.
you die
Stay calm
Because, an accident happens when something bad happens, and no one meant for it to happen. So unless they know that no one meant for it to happen then it is an accident.