Kim,
Question: are you an attorney? Just asking out of curiosity.
Haha, I'm not an attorney, just a designer and occasional illustrator having to deal with these issues (copyright, trademarks, patents etc.) frequently.
After trying to understand the first few contracts I was given as an independent contractor to design-firms, not to mention writing my own contracts when working directly with clients, I've done my best to know the ropes and properly cover my ass, as well as knowing my rights. I also have a ton of friends who are professional photographers and have spent many hours listening to their side of the creative industry.
That being said, I'm no expert (I'm sure there are some oversimplifications above, as few copyright cases are clear-cut) and I always search out more qualified opinions if I have any serious issues. Most professional associations have free legal advice available to members, which more people should make use of
Edit: and it is worth noting that the RPF is a very interesting space for copyright discussion, haha...
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