RedactedNarrative: On 06/08/20 at approximately 6:20pm, Operator1 was operating a personal watercraft [IL 5357 KG], which was borrowed on Lake Michigan around the area of Elder Park Beach in Winnetka. Operator1 was traveling southeast when he jumped a wave, collided with a submerged breakwall, and was ejected from the PWC, along with passenger. The lanyard cut-off switch was worn and both occupants were wearing PFDs. 
  
  Minor scrapes and bruises resulted from the incident. All occupants refused medical treatment. The PWC was towed by owner''s son. Substantial hull damage to the PWC resulted from the incident. There was no apparent damage to the breakwall. Initial report taken by the Winnetka Police Department. A ''Danger'' buoy was placed at the site after this incident occurred. The damaged PWC was a total loss for $5,700.
  