RedactedNarrative: VESSEL 1 WAS TRAVELING SOUTHWEST BETWEEN 21- 40 MPH IN LITTLE STONE HOUSE CREEK.  VESSEL 1 STRUCK THE RIP RAP BANK AT HWY 903 S ABOUT 40 YARDS TO THE LEFT OF THE CULVERT.  VESSEL 1 CAME TO REST OUT OF THE WATER ON THE RIP RAP ROCK BANK FACING SOUTHWEST.  THE OPERATOR OF VESSEL 1 WAS TRYING TO NAVIGATE VESSEL 1 THROUGH THE CULVERT USING HIS NAVIGATION SYSTEM.  THE OPERATOR OF VESSEL 1 WAS NOT USE TO THE NAVIGATION SYSTEM AND HAD THE BRIGHTNESS TURNED UP ON THE UNIT CAUSING HIS VISION TO BE OBSTRUCTED.  OPERATOR OF VESSEL1 ALSO STATED THE MAP ON THE NAVIGATION UNIT WAS ZOOMED OUT AND HE WAS NOT AWARE THAT THE SHORE WAS THAT CLOSE.