RedactedNarrative: On May 31, 2015 at approximately 1300 hrs. I, Ofc., with assistance from Off. responded to the report of an overturned vessel North of the Bay Bridge with five persons in the water.  On scene we found three occupants aboard Tow Boat US vessel Reliant.  Three other occupants were standing on a work platform for the Bay Bridge.  All of the occupants of the overturned vessel refused medical attention.  Three of the occupants were transferred to NRP 850 and the other three were removed from the bridge and boarded NRP 147.  The bow of the overturned vessel was near the Tow vessel and moving South away from the Bay Bridge.  The tow vessel agreed with the owner to salvage the vessel and tow it to Sandy Point State Park.  Coast Guard Vessel 45640 from Station Annapolis assisted with gathering floating personal items and debris.  The occupants were transported to Sandy Point State Park.  The occupants, owner, and operator informed this officer what occurred before and how the vessel overturned.
   
  Weather conditions at the time of the accident were winds from the Southeast at 15 to 16 knots, air pressure was 30.03 and falling, air temperature was 76 degrees and water temperature was 71 degrees, and waves were 2-3 feet moving North.  The tide was outgoing at the Bay Bridge.
   
  The vessel was traveling North up the Chesapeake Bay under the Bay Bridge.  They had spent the day fishing and were returning back to Sandy Point where they departed from.  The occupants were equally spaced on the vessel, but at max passenger load for the vessel.  Operator said the waves were big and a large vessel passed their vessel under the bridge.  A larger swell lifted the stern and the bow went under the wave.  Water came into the small vessel.  The vessel is a stern drive, so the water could not pour out the stern of the vessel.  With the max weight of the passenger load and the added water weight compromised the vessel stability.  The occupants tried to moved to lessen the water entering the vessel.  Water kept coming into the vessel.  The occupants grabbed what personal items they could and used coolers and personal floatation device as they entered the water.  Three of the occupants swam to the bridge.  The other three were in the water for approximately twenty to twenty-five minutes before Tow Boat US assisted them.
   
  All events took place in Anne Arundel County, Maryland.
   