RedactedNarrative: Operator #1 stated in effect: My friend let me borrow his PWC because I have never been on one.  I just pulled out from his house and let it idle in the middle of the lake so I could get use to it.  I heard a horn and saw his boat about to pass me.  I left the PWC in idle to let him pass but was drifting towards him.  As he passed me, I saw the tube he was pulling coming at me and we collided.  
  
  Operator #2 stated in effect: I was pulling a tube with two people on it.  I saw him drifting towards me and I used my horn to signal him that I was passing him.  As I passed him, he turned right into the tube.  
  
  Investigation revealed:  Operator #1 was operating Vessel #1 at the above mentioned location.  Operator #2 was operating Vessel #2 while pulling a tube with two occupants on it.  O#2 observed V#1 drifting towards his vessel and used his horn to signal while slowing down.  V#2 continued its path past V#1.  V#1 and the tube being pulled by V#2 collided at a slow rate of speed causing O#1 and the two occupants on the tube to be ejected.   O#1 was able to get back onto the PWC and advised O#2 he was going to return to shore. The two occupants on the tube were retrieved by V#2 and returned to Lake Hopatcong Yacht Club.  No damage to either vessel.  One subject complained of minor leg pain but did not seek medical attention.  Another complained of head and leg pain and was transported to St. Clare's Hospital, Denville, NJ.  
  
  Operator #2 had a Safety Certificate