Well - whoever finds it first gets to claim the FTF, as far as me and my partner in crime are concerned. Those are rare, though - at least in our neck of the woods. We've got one or two hard-core cachers that'll snatch 'em up as quick as they're posted.
As far as regular "found" caches go - we both claim the find since we're there sharing the experience, and we're both out rooting around trying to find the darned things.