RedactedNarrative: Watercraft was headed into marked channel (green/red & hazard markers) on the east side of Taylor's Island, Lake Vermilion, when it struck a submerged rock pile. It appears the watercraft went between the red and the hazard markers. The boat started to take on water, occupants put on life jackets, and were able to call a friend to assist. Both occupants were able to make it back to the cabin. The incident was reported at 0740 the following morning by fisherman. The back half of the watercraft was submerged on the north side of Taylor's Island with damage to the underside of the boat. The boat appears totaled. Unknown drug/alcohol use (alcohol bottle left in passenger side holder). No life jackets worn before accident, but were accessible and worn after impact with rocks.