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A sailboat and a PWC are meeting head-on. Which one is the stand-on vessel?
Sailboat. A PWC, or personal watercraft, is the give way vessel to any sailboat. In the US, a PWC refers to any small powerboat less than 13 feet in length. As such, it is a powerboat and must give way to all sailboats.
the PWC
A PWC is a Power Driven Vessel so she must give way.
When a sailboat overtakes a powerboat, the powerboat is the stand-on vessel. (Ref: SB-29)
Contrary to popular belief the power driven vessel is not always the give way vessel, a great deal depends on the circumstances.
Powerboat
When a sailboat overtakes a powerboat, the powerboat is the stand-on vessel. (Ref: SB-29)
When a sailboat overtakes a powerboat, the powerboat is the stand-on vessel. (Ref: SB-29)
Unless the sailboat is overtaking a power-driven vessel, the powerboat is the give-way vessel.
When it's the least maneuverable vessel in the encounter.
When there is a danger of collision, the "stand-on" vessel is the one that must maintain its course while the other must take avoiding action. Sailboats usually are the stand-on vessel when meeting a power-driven vessel, even if that vessel is another sailboat (if its engine is powering the boat, and regardless of whether its sails are raised or not). There are exceptions: if the power-driven vessel is "working," such as a fishing boat dragging nets, or the power-driven vessel is confined to a narrow channel due to its draft, then the sailboat must stay out of the way, by altering course if necessary. If a collision is imminent and the other vessel shows no signs of altering course, then the sailboat should take whatever course is necessary to avoid it.