I agree with "your torps your responsibility." Yesterday i've almost killed a friendly BS with 3 torps hitting it because i didn't saw it when i've fired and he had a perfect "torp intercepting" course and there was no penalty for this (at least i didn't see any at end game results). I think that just paying for friendly dmg will be ok like 1 silver/1 hp. This would make friendly fire a very expensive business because i think that at release, gains from battle would be like 10 times less.