RedactedNarrative: Vessel 1 with a single person on board was being operated in a generally north direction towards Cundy's Harbor traveling at 14.5 knots.  The operator of vessel 1 was being pelted by rain and was taking cover behind a piece of plastic on the bridge to prevent rain from hitting him in the face.  The operator of vessel 1 indicated that he did not see vessel 2 until immediately before the collision.   
  
  Vessel 2 was being operated by a single person with two additional people on board but below deck.  Vessel 2 was being operated at approximately 5 knots.  The operator of vessel 2 reported that he had the hood from his rain jacket over his head and was scanning the horizon and looking to the left to determine the location of near by ledges.  Vessel 2 operator reported good visibility which is corroborated by photos that were received from immediately following the collision.  The operator of vessel 2 did not see vessel 1 until immediately prior to the collision.  
  
  Vessel 2 collided with vessel 1 causing a through hull puncture in the port side bow.  Vessel 1 sustained damage to the bow, sail, and associated rigging.   
  
  Contributing factors
  
  Vessel 1-rule 5 lookout, 6 safe speed, 8 action to avoid collision, 17 action by stand-on vessel.
  
  Vessel 2-rule 5 lookout, 8 action to avoid collision, 15 crossing situation, 16 action by give-way vessel.