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If the dive is appropriate for your cert, responsibility falls down to yourself and your buddy if he has a higher cert. If the dive is not within your cert. level, responsibility goes to the instructor (if he went with you) or the sailor that drove you. When in doubt, check local law. That's for negligence. Then it's up to your insurance to fight / cover for damages.

Always dive within your limits, and if interested find a local club. To me, dive turism is something that can only be truly enjoyed after reaching a certain dive level. It's no fun to see turtles or sharks if your whole focus is still on being neutral buoyant or checking your air supply.

As you say, diving is like hiking. I love hiking, but I know my limits and will not attempt a K7 or travel with a specific hike in mind. I like walking a trail, seeing birds and views and nature. Same applies underwater! The red sea is amazing, but so can be your nearest dive site.

If truly afraid / curious about things that go awry, "Diver down" is a nice intro



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