RedactedNarrative: V1 HAD JUST COME AROUND THE POINT OF JONES POINT WMA AND WAS HEADED IN AN EASTERLY DIRECTION WHEN PASSENGER 2 WAS LOOKING AT BAITS IN A BAIT BOX FOR A SPECIFIC COLOR AND THE OPERATOR LOOKED DOWN TO LOOK AT THE BAITS ALSO. THE OPERATOR STATED HE LOOKED UP JUST BEFORE THEY IMPACTED THE BANK.  OPERATOR STATED THEY WERE GOING APPROX. 27 MPH WHEN THEY HIT. UPON IMPACT THE PASSENGER WAS EJECTED THROUGH THE WINDSHIELD OF V1 AND ONTO THE BANK. OPERATOR IMPACTED THE STEERING WHEEL BUT WAS NOT EJECTED. V1 HAD DAMAGE TO THE KEEL AREA OF BOW AND LOWER UNIT AND PROP.