I was clear ahead downwind, the boat behind came up to leeward and we touched — doesn't she pay?

No. While she was clear astern, Rule 12 made her keep clear. The moment she became overlapped, Rule 12 stopped applying and Rule 11 took over: same tack and overlapped, the windward boat keeps clear, and that is you. Rule 15 only made her initially give you room to keep clear when she gained the overlap; by the time the boats touch, that room has been given and spent.

📖 Want Rule 12 in more depth? Elvstrøm Explains the Racing Rules 2025-2028 sets out every rule with plain-English explanations and diagrams. (affiliate link)

▶ Watch on YouTube ↓ Download (via YouTube)
<iframe width="560" height="315" src="https://www.youtube.com/embed/u1wPTjgVBz8" title="Sailing Kiwi" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>
<p><a href="https://sailing.kiwi.nz/v/u1wPTjgVBz8/">Source: Sailing Kiwi</a></p>

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