On 5/12/2013, in the p.m., exact time unknown, Operator was sailing his vessel on Lake Walulla near the Life Bridge (railroad) located near Finley, WA in Benton county.  The mainsail and jib were out.  Operator pulled the main in and the jib sheet jammed in the furler.  He could not pull the jib in.  The engine had begun to overheat.  He pulled the main back out but the sail could not overcome the current.  The engine shut down.  The current pushed the vessel into the Life Bridge sideways.  The hull went under the bridge.  The mast, jib, and all standing rigging were knocked down and lost.
 
No injuries / fatalities.
No apparent alcohol involved. 
Vessel damage was estimated at $45,000.
PFDs were worn.
The operator did not have a mandatory Boater Education Card.
No Rules of the Road Violations.
Finley