RedactedNarrative: At time of accident, v1 was travelling on a westerly heading in the icw channel near daymarker "14" in pine island sound. V1 operator was seated behind the helm in actual physical control of the vessel. V1 male occupant was also seated behind the helm next to operator. V1 female occupant was seated in the port bow section on the built-in bench style seat, facing in toward centerline of vessel. 
  
  V1 was proceeding at planing speed (approx. 20-25 mph) when it encountered a wake from another vessel heading in the opposite direction, immediately following a port-to-port meeting between the two vessels. V1 operator failed to reduce vsl speed to compensate for wake created by other vessel, thus impacting oncoming waves at maintained planing speed. The resulting impact with the other vsl wake caused the bow of v1 to forcefully rise and fall several times. The female occupant, not expecting the wake, had not braced for the oncoming wave action. As a result, the occupant was lifted from her seated position and subsequently dropped back down on the bench seat several times as v1 passed through the wake. Occupant came to rest on the foredeck of the vessel, between the port and starboard bench seats. Operator of v1 stated that upon passing through the wake he brought the vsl to a stop and immediately began assessing the female occupant for injuries. A call was placed to 911 and the operator proceeded back to the residence from where the voyage originated. The female occupant, complaining of lower back pain, was then transported to the hospital via ambulance. 
  
  There were no other injuries or any vessel/property damage reported as a result of this accident. There was no vessel safety equipment utilized as a result of this accident. There was no indication of alcohol and/or narcotics involvement with this accident. Weather conditions at the time of the accident were favorable and not a contributing factor. There were no reported mechanical problems with the vessel. V1 operator stated that he misjudged the size of the wake created by the other vessel and failed to take the appropriate action to avoid the mishap which resulted in the injuries sustained by the female occupant. 
  
  It is the findings of this investigating officer that this accident occurred as a direct result of the inattention and inexperience of the operator of v1. No charges are pending in this case.  occupantm appearing in otherwise normal condition, suffered a minor compression fracture to the lower back area as a result of impact with interior seating structure of vessel.