RedactedNarrative: V1 left the casino in Dubuque & headed south toward Cordova Illinois.  5 of the 6 passengers had been drinking most of the day so they designated Operator to operate the vessel.  Operator had never operated a boat  & was given basic instructions from the boat owner.  Operator was on plane but had to stand to see over the bow of the boat.  As she left the channel & struck the wing dam on the north end of Beaver island & tearing off the lower unit of the motor.  The vessel  began taking on water & was pushed to the nearest shore (Beaver Island).  The owner of the boat called his father who told him to call 911.  When Enforcement arrived the subjects were moving items out from the cabin as it was filling with water.  Officer instructed everyone to put on a life jacket as they were transported to safety in the fire boat.  Officer administered field sobriety tests to the operator who passed the FST's & submitted breath test with a result of 0.00.  All subjects were wearing life jackets as the result of the incident.  The operator did not have any alcohol.