RedactedNarrative: The accident occurred as V1 headed downriver at approximately 35 mph near the Nevada shoreline across from Davis Camp Swim Area with Operator operating, Occupant1 seated behind her, and Occupant2 seated toward the stern of the vessel. While traveling through chopped water Occupant2 fell off the stern of the vessel. Both Operator and Occupant1 looked upriver at Occupant2 and did not see the upcoming shoreline. Occupant1 then turned her head back forward and noticed the upcoming shoreline. She told Operator to “look out.” Operator attempted to avoid the collision with the shoreline, but ran aground approximately 20 feet at approximately a 30 degree angle to the upstream shoreline. 
  
  All occupants were wearing personal floatation devices at the time of the collision. Occupant2 was ejected from the vessel prior to V1 running aground. She was assisted from the water. Occupant2 sustained a contusion to the outside of her left ankle, but declined medical attention. Operator and Occupant1 were not ejected during the collision and stated they were uninjured and declined medical attention. 
  
  V1 sustained 8 sq ft of gel coat damage and 1 sq ft of fiberglass damage to the hull of the vessel. All required safety equipment was aboard V1. Excessive speed for conditions, operator inattention and operator inexperience contributed to the collision. After completing the investigation V1 was released to the registered owner.