RedactedNarrative: On July 2, 2017 at approximately 1805 I received a call to respond to a single vessel boating accident on the Wicomico River (St. Mary's County). I was advised there was possible personal injury involved. I went to the MEDSTAR Hospital in Leonardtown Md. to speak with the injured person from the accident. 
  
  When I arrived I spoke to the wife of the vessel owner/operator. She had sustained minor injuries to her left foot. Specifically she had broken two toes and dislocated a third toe on her left foot. No other injuries were reported. 
  
  I then met with the owner/operator of the vessel, Operator, at his residence. I inspected the vessel, took photographs of the damage, and interviewed him on the events of the incident. He stated they left their pier with a total of 5 persons on board at approximately 2pm on July 2, 2017 and traveled north up the Potomac River to Cuckold Creek, back down to Swan Point and Cobb Island, and then around Cobb Island into the Wicomico River. 
  
  As he was proceeding north/west up the Wicomico, he did not see the red #6W daymarker at Whites Point bar and went to the right side of the daymarker and into the shoal waters marked by the aids to navigation. Due to the tide levels, the bar and old pilings were all slightly submerged and not immediately visible. His vessel struck a submerged object, quite possibly the old pilings or foundations found within the shoal waters on White Point Bar, however the exact nature of the object struck could not be determined. 
  
  All four passengers, as well as the operator, were thrown slightly forward due to the fast speed decline, however, no one was ejected from the vessel. Only the one person reported any injuries, as noted above. 
  
  The operator contacted 9-1-1 vial his cell phone, and St. Mary's Fire EMS was directed to that area. Sea Tow was contacted because the 24 foot Yamaha was taking on water faster than the installed bilge pumps discharge overboard. Assistance was on scene within 15 min. The injured person and one other passenger were taken to shore in the Bushwood area of St. Mary's County and transported to MEDSTAR Hospital in Leonardtown. The vessel and remaining 3 occupants was towed to the residence of the owner where he has a boat lift. The vessel was hauled out of the water at the residence and trailered for future transport for repairs. 
  
  From the impact, it appears the keel of the vessel is split approximately two thirds of the length. I performed a full vessel safety inspection and all required safety gear was on board. Alcohol does not appear to be a contributing factor to this incident. The owner/operator stated he should have learned how to operate the Chart Plotter installed and also become more familiar with the specific navigational hazards in the area for future boating trips. No citations or warnings were issued in this incident.
  