Vessel one was on the south side of creek heading north. Vessel two was on the east side of creek heading west towards lake main. Vessel two was the stand on vessel and had the right of way. Vessel one and vessel two made sharp turns opposing turns but was too late to avoid the collision. Vessel one should have altered course or reduced speed at an earlier time to avoid the collision. Vessel one struck vessel two in the back left portion of the hull below the water line of the vessel. Vessel two had fiberglass and gel coat damage, vessel one had hull damage on the right side of the vessel above the registration numbers. There were no injuries to the occupants of vessel two. Vessel one operator had minor scrape on her right knee that was not beyond care of first aid. Vessel one operator was wearing a pfd. Operator and one passenger of vessel two was wearing a pfd, and one passenger was not wearing a pfd. Alcohol and/or drugs was not a contributing factor in this accident.