Most experienced lake boaters have some sense not to boat too close to moorings, floats etc without a bow spotter for such hazzards. My concern would be for the new boater/sightseer who really doesn't know the lake to run into a underwater line and generally these are the people who may hold you responsible for damages to their props if any is caused. My only first hand experience is/was, if I hit it, its my fault because I wasn't cautious enough, therefore I pay for the repairs to save the embarrassment.
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