My gut instinct would be to stop and
My gut instinct would always be to stop and help, but guess that's just the way I've been brought up.
It also requires a certain amount of empathy and it's amazing how many people seem to live in their own little bubbles. They'd rather get their phones out and start videoing somebody drowning than actually try to do something to help. Insane doesn't even begin to describe it.
Did a short first aid course a few weeks back and the instructors advised us right at the end that the best thing to do was not even try to help, but to phone the emergency services, because of the 'litigious age' you're talking about Kev.
We live in an increasingly hostile world, and no, it's not because we're "old", it is just a matter of fact.