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This question has been raised many times on different subforums. Each time it comes up, the many opinions (including some from diver/lawyers) lead to the conclusion that there is no absolute answer. Each case is different and decided on it's own merits. One thing most agree on is that presenting a lower cert. card like AOW does not help you at all. One of the first things an opposing lawyer apparently does is determine the certification status of EVERYONE on board or involved.
There is general agreement that a dive professional will be held to a higher standard whether he is working or on vacation. Also that it is unlikely he would lose a lawsuit if he followed proper procedures, local protocols, etc. But there is no guarentee of anything in court. As well, because one is simply an OW diver with 3 dives experience, one is not automatically safe from all lawsuits. If you agree to be a dive buddy, what are you agreeing to do should an emergency occur? The OP's question cannot be answered yes or no.
There is general agreement that a dive professional will be held to a higher standard whether he is working or on vacation. Also that it is unlikely he would lose a lawsuit if he followed proper procedures, local protocols, etc. But there is no guarentee of anything in court. As well, because one is simply an OW diver with 3 dives experience, one is not automatically safe from all lawsuits. If you agree to be a dive buddy, what are you agreeing to do should an emergency occur? The OP's question cannot be answered yes or no.