RedactedNarrative: On June 18 2015 at approximately 1400 hours, two people were returning to their lake house by way of PWC from Chatuge Cove Marina  located on Lake Chatuge. Their lake house was approximately 2.35 miles from the marina by way of water.  Operator1 began to operate the PWC while V1 occupant supervised from the rear seat of the water craft.  Operator1 had some experience operating PWCs as well as larger vessels in the past. V1 occupant is more experienced and has had hundreds of hours operating PWCs as well as larger vessels. Both passengers were wearing USCG approved PFDs and the vessel was well equipped with all required safety equipment.  
   
  As they left the marina and entered into the main body of the Shooting Creek prong, a speed boat travelling in the opposite direction passed through the middle of the lake at a distance. The speed boat created a wake which was in the direct path of travel for Operator1 and V1 occupant. Operator1 then proceeded across the first of two waves without trouble.  As she began to maneuver across the second wave at approximately 30 MPH, she turned the vessel to the right to clear the wave. While the PWC was turned to the right, V1 occupant fell off the vessel and into the water just to the left side of the water craft. V1 occupant did not strike the vessel while falling into the water but fractured three lower ribs as she made contact with the water's surface.  
   
  V1 occupant retained consciousness and remained afloat via her PFD.  She did have trouble breathing while afloat however. Operator1 then jumped from the PWC and held V1 occupant legs parallel in the water so to ease her ability to breath.  Other boaters then observed the two in the water and assisted with help. EMS soon arrived at the location and V1 occupant was transported to Murphy Medical Center in Murphy, North Carolina where she was then treated and released the same day.
   