RedactedNarrative: On November 14, 2019, I received information of a boat incident that occurred on Smith Mountain Lake on May 8, 2019.  Subject called and requested a case number for the incident and I was unable to locate a report for the boat incident.  Occupant stated that the incident had occurred in the area of the Smith Mountain Lake State Park and "S" turns.  Occupant stated that he was a passenger on the boat and he saw land coming up on the GPS and stood up and tried to alert Operator1 to the shore but it was too late and they struck the bank.  Occupant also advised that the damaged tri-toon boat was located at Websters Marina.  
  
  After speaking with Occupant, I traveled to Webster's Marina and they confirmed that the boat was there  for an estimate on the damage repair.  Websters advised that the boat was considered a total loss and it was picked up per Progressives request.  Websters advised that the boat left their property on July 3, 2019.  
  
  I called operator by phone on November 14th, 2019 and he advised that he was driving his boat back from around the bridge toward Mariners Landing and he struck rocks around the state park and the boat began to sink.  Operator1 advised they got the boat to a landing near Occupant house and were able to load it on his trailer at that point.  He advised he did not know that he needed to report the boat incident to law enforcement.
  
  I spoke with the Progressive insurance agent that processed the claim and he provided photographs of the boat.