RedactedNarrative: Operator #1 stated in effect:  We were heading back in from the bay.  The weather got very bad and the bay got choppy.  I guess I did not properly put the bilge pump access panel back on properly and the bilge had filled with water.  When I realized the panel was off,I put the engine in neutral and went to fix it, but then the engine quit.  I called the Coast Guard for help and began to run the bilge pump, when my wife and my friend , who were sitting up at the bow, began to panic and came to the stern.  With all the water in bilge and and all three of us in the stern the boat flipped over and we were launched out of it.  We climbed onto the hull and I waved for help. 
  
  Investigation Revealed:  Vessel #1 was inbound to Keyport Harbor from the Raritan Bay, when it capsized due to the sea state  and an unsecured bilge access panel.  All three persons were rescued by a vessel in the area who responded th operator #1's call for help.  The three persons were relayed to the Keyport Harbor Boat Ramp. There were no injuries as a result of the Accident. The coast Guard secured the vessel at the scene, and Sea Tow will remove it.