RedactedNarrative: V1 COLLIDED WITH SOMETHING SUBMERGED AND MOTOR BECAME INOPERABLE.  OPERATOR AND 2 PASSANGERS TRIED TO PADDLE TO SHORE WHEN OAR BROKE CAUSING V1 TO LOOSE CONTROL. V1 STRUCK BRANCHES AND THEN A CEMENT STRUCTURE UNBER BRIDGE THEN CAPSIZED.  OPERATOR AND PASSANGERS WHERE STANDING BY SUBMERGED V1 UNDER BRIDGE.   V1 WAS ABLE TO BE MOVED AND TETHERED TO RIVER WALL. V1 WAS A COMPLETE LOSS.   NO INJURIES AND NO INFLUENCE OF ALCOHOL. 3 PFDS ON BOARD.