RedactedNarrative: Watercraft #1 was floating in bay on lake prior to sunset, enjoying the evening. 
  
  Watercraft #2 was pulling a skier into the bay. There were two people on board - the operator and the spotter who was in the rear-facing seat. 
  
  WC #2 was heading straight west into the sun, and the operator estimated that he was going about 24-26 MPH. Operator #2 stated he could not see the other boat until the very last minute. 
  
  He struck WC #1 on the starboard side and steered away from it. He described it as a "broadside crash." The damage was significant to WC #1, disabling it. The damage to WC #2 was minor. There were no injuries.
  
   Life jackets were not being worn in either boat. Alcohol was not a factor. The incident was reported the following day, when they learned they needed to report for insurance purposes.