RedactedNarrative: Operator #1 stated in effect: We were traveling slowly near the tip of Sandy Hook when we saw a wave
  coming from our left. I turned into it. VICTIM was laying on the pad on the bow. She went up into the air
  and came down on the metal rail next to the pad. She then said her back was hurt.
  
  Investigation revealed: Vessel #1 was traveling south bound around the tip of Sandy Hook. The current
  wind and current conditions caused an area of standing waves several hundred yards east of the beach
  at Sandy Hook. The waves were breaking in a westerly direction, toward the port side of Vessel #1.
  Operator #1 failed to observe the waves in enough time to correct course. When Vessel #1 was in close
  proximity to the waves and unable to avoid impact, Operator #1 turned to port to lessen the severity of
  the impact. Vessel #1 took a wave head on, causing the bow to raise abruptly. Victim #1 was laying on a
  foam pad on the bow above the cabin. When the bow rose abruptly, Victim #1 became airborne, then
  landed alongside the pad on a metal rail that bordered the pad/lounge area. Victim #1 complained of
  pain in her back. FDNY Marine, USCG Sandy Hook and NYPD Marine and Aviation assisted at the
  scene. The vessel was relayed to USCG Sandy Hook to waiting EMS from Highlands Boro. The victim
  was relayed to Monmouth Medical Center for additional treatment and observation.
  
  Based on my investigation, this vessel accident was preventable. The operator failed to observe the
  apparent standing wave condition.
  
  Summons was issued to Operator #1 for operating the vessel without a
  Boating Safety Certificate.
  
  Summons was issued to Victim #1 (Vessel #1 Owner), VICTIM, for allowing the
  uncertified operator to operate her vessel. VICTIM was also issued Summons for failing to register her vessel.
  