The captain was taken to hospital, so not the missing person. The captain though will normally be behind the wheel, which is not at the back.
A boatboy being the missing person seems likely.
By heart I think minum cover for compulsory insurance is 500 k.
If he would have gone full throttle there would have been a lot more damage.
Are you sure about that speed limit?
Racial tensions have been increasing since the previous president encouraged racism. It's a very twisted argument to accuse someone of calling that out of increasing racial tensions.
Nothing of a threat or force was indicated except in your mind.
And no, there will be no insurance to pay for something ppl like this, the guilty party has to pony up.