RedactedNarrative: Vessel operator was operating a PWC traveling NE at around 10-15 mph according to observers.  There were five or six individuals standing in the water at the end of the walkway at the time of the accident.  Witnesses said the operator came within a few feet of one of the individuals in the water before the PWC she was operating collided with a boat lift/boat .  One observer stated the operator's head was laid back and to the right as if she was not coherent at the time of the collision. Another observer said she was coherent and her head was laid back bracing for the collision.  Witnesses also stated they heard the throttle rev just before the collision.  Operator was unconscious for a moment after the collision and she was carried to the bank until an ambulance arrived.