RedactedNarrative: Boat A was operating under full sail south of the I94 bridge with 3 total people on board heading SW.  Boat B was traveling north with 4 total occupants.  Boat A occupants believed boat B would change course at it got closer.  As boat B got closer boat A occupants stated they could see the operator on boat B not paying attention and not looking forward.  Boat B did not change course and boat A occupants were standing waving their arms and yelling to change course to boat B.  Boat B operator stated he was talking with wife for approximately 10 seconds and not paying attention.  When boat B operator saw boat A he shifted into reverse and tried to avoid hitting boat A but it was too late.  Boat B bow struck boat A port side near midship causing damage to both boats, more to boat A.  No one was hurt at the time but boat A occupant woke up next day with bruise on forehead from falling as a result of the impact.  Boat A towed to Hudson mooring area.  Boat B ached at St Croix Yacht Club, Catfish Point.