RedactedNarrative: On 07/21/22, I, CPO, was contacted by Holiday Shores Lake Association concerning a boat accident that occurred on their lake on 07/14/22. I made contact with V2 Operator and met him at his residence on 07/23/22. V2 Operator informed me he was coming out of the "No Wake" cove southwest of the Holiday Shores Club House and was traveling south. V2 Operator stated his boat was struck by a pontoon boat operated by V1 Operator. The damage to his boat was on the rear port side. Initially, V2 Operator believed the damage was minor and headed toward the dock at the public marina. Upon arriving at the dock he noticed a large gash in the port side. He made contact with V1 Operator and they exchanged insurance information. V2 Operator informed me V1 Operator and he had the same insurance company and the case had been settled on the damage. On 08/11/22, I met V1 Operator at her address. V1 Operator stated she was travelling back to the Marina to put their boat up for the day. V1 Operator and her husband were crossing the lake between 10-20 MPH. V1 Operator stated she did not see V2 Operator's boat approaching from their right due to the sun coming out of the northwest. When she saw V2 Operator's watercraft, she attempted to pull back on the throttle to reduce her speed and avoid the collison, but was unable to get it stopped in time. This accident occurred approximalte 75 ft from the exit of the "No Wake" zone. Due to environmental conditions, (bright sunlight and obscurred view) and transition from "No Wake" to coming on plain, its difficult to determine an at fault operator. No injuries were observed and both parties have settled the accident without issue.