RedactedNarrative: Vessel was heading south towards Saddle Island and hit a partially submerged object and while the operator turned to look, the vessel struck Saddle Island damaging the keel and the port side near the bow. The vessel started taking on water. The occupants were able to put their lifejackets on and exit the vessel on the shoreline of Saddle Island and hold the vessel by a metal railing. The vessel took on too much water and capsized. The operator was able to continue to hold onto the vessel to prevent it from floating or drifting away.