RedactedNarrative: V1 was pulling tubers near the Jim Whiley Rec Area when the operator admitted to turning around to look at passenger 4 on the tube while underway.  In doing so he inadvertently turned the steering wheel to the right and before he could turn back around, V1 struck the bank. V1 struck a sweet gum tree growing on the rocky bank, breaking the tree and causing it to fall on V1. V1 then slid approx. 20 feet down the bank striking a 24 to 30 inch embankment which immediately brought V1 to a stop.