The collision liability, which is covered by the Running Down Clause (R.D.C.) or Collision Clause as it is often described, is one aspect of third party liability which is almost universally covered by Hull and Machinery policies. The choice as to whether this aspect of coverage is insured under the H&M policy or P&I Club is usually determined by price but the know how of the broker may assist in determining what scheme will fit the Shipowners needs.