RedactedNarrative: V1 came out of a cove and made a right turn around the point and began to travel east near the shoreline which consisted of a steep clay bank with trees. The shoreline traveled due east then made a north easterly turn for about 100ft before continuing on due east. According to passenger 2, V1 was traveling too close to the shoreline.  As V1 continued on passenger 3 noticed a loose strap on the stern of V1 and alerted the operator who then turned around to look and in doing so turned the steering wheel toward the shoreline.  V1 struck the embankment and trees with the right front pontoon and came to an immediate stop.  All occupants were thrown from their seated positions toward the bow of V1.
   
  Upon investigation of V1 at the scene it was noted that the motor was in a left hand turn position, the kill-switch lanyard was still attached and hanging down, the throttle was in the forward position and the right front pontoon was partially embedded into the clay embankment.