Explain the difference between hull and cargo insurance

The Mary Queen, an oceangoing oil tanker$,$ negligently collided with a large freighter. It was scheduled to take a direct route within the Gulf of Mexico and was rerouted due to a forecasted hurricane. The Mary Queen is insured by an ocean marine hull insurance policy with a running$-$down clause. For each of the following losses, explain whether the ocean marine coverage would apply to the loss.

Damage to the Mary Queen

Damage to the freighter

Death or injury to the crew members on the freighter

Which implied warranty would be most applicable for this collision? Why?

Hypothetically, the vessel was searched by legal authorities and illegal drugs were found aboard. Would the selected warranty provided in the prior question be applicable? Why or Why not? If not, indicate which warranty would be most applicable.