In my state we have a stupid motorist law that bills the driver if the drive into a flooded wash and need to get rescued. This typw of law should apply. Accidents are Accidents. But if you willfully ignore safety regulations and signage you get the bill.
This is off topic, but I love that I'm already finding links to concepts I didn't know about. It's a good sign that using the fediverse as an alternative to Reddit will actually work!