Operator of V1 was pulling close to the bluffs to let some passengers off to jump off the bluffs.  One of the occupants told her to back up, she put V1 into reverse but it would not back up and she panicked.  She put V1 back into neutral and attempted to put it in reverse again but it would not go backwards.  Operator then put V1 into forward gear attempting to steer it away from the bluffs and the people swimming.  Her husband ran to the controls and killed the motor; during this time a swimmer was struck by V1.  The wind was blowing very hard out of the north causing V1 to be pushed toward the bank and swimmers.

* Injured swimmer was later taken by POV to the hospital to get checked out, she was treated and released.
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