RedactedNarrative: The primary reason for this accident was a jam nut on the steering arm bar worked loose. This caused the loss of steering, turning the vessel abruptly to the starboard throwing the operator and passengers to the port side. Vessel one was going at an excessive rate of speed, which added to the force in which the occupants were thrown.  Also the extremely rough water conditions caused by a large number of boaters in the area. This caused the victims to fall into each other causing the injuries.