Just curious. Does a disclaimer offer protection against third-party claimants?
To wit: Hubby is an accomplished paddler, and he wants a video of himself and some friends coursing through some relatively mild Class II rapids in their canoes on a local and familiar watercourse, an enjoyable trip they've safely made dozens of times. Hubby contacts a long-time personal friend who has only recently been certified as a commercial pilot in accordance with the provisions of Part 107. The drone operator has not yet purchased liability insurance. However, the drone operator knows there's some risk involved, and he hastily drafts a disclaimer. Hubby and the other paddlers cheerfully sign the disclaimer acknowledging the risks of a drone flying overhead and absolving the drone operator of any liability should a malfunction or operator error result in their personal injury or death.
On the day of the flight, the drone malfunctions, falls from the sky, hits Hubby on the head, and apparently renders him unconscious. Thus disabled, Hubby slumps sideways, the canoe capsizes, and he slips beneath the water and drowns. Because he's paddling alone in the last canoe, the other paddlers are unaware of his plight, so no effort is made to rescue him.
Local and federal authorities investigate the mishap and conclude that, because the drone operator fully complied with the provisions of Party 107, Hubby's death was just an unfortunate accident. Accordingly, no charges are filed.
Months later, Hubby's aggrieved widow, who was aware in advance of Hubby's planned canoe adventure but not of the plans to shoot the video, files a suit alleging that the drone operator was the proximate cause of Hubby's death and is therefore negligent. In court, Widow tearfully relates that she and her five children have been victimized by the loss of her husband. As a third party, she wasn't afforded any opportunity to assess the risk, and further, she didn't sign any disclaimer or otherwise waive her rights. She wants compensation, because Hubby was the family's only source of income.
What's the verdict? Can a husband deprive unwitting survivors of their interests by signing a disclaimer? If the court indeed concludes that the drone operator was negligent and that Hubby's survivors are entitled to compensation, then of what value was the disclaimer?