Based on the information that was given verbally and written statements I believe the accident was caused making a turn that was too tight and to fast based on the boat design and the amount of drag on the back of the boat caused by the tubers. This caused the gunwale to dip and made the boat list sharply. This unforeseen movement caused the three occupants to be thrown from the vessel. The collision could have been avoided if the operator was using a safety lanyard.  THe boat crashed into an object.
Holderness