RedactedNarrative: OPERATOR WAS OPERATING THE VESSEL WITH PASSENGER 2 SEATED IN THE FRONT BOW SEATS OF THE VESSEL. OPERATOR WAS TOWING PASSENGER 1 WHO WAS WATER SKIING. THE VESSEL WAS ON PLANE. THE VESSEL NEARED A PONTOON BOAT THAT WAS MOTORING NORTH IN THE MIDDLE OF THE LAKE. OPERATOR STATED THAT SHE MOTIONED TO THE NEARBY PONTOON WITH HER HAND THAT IT WAS NOT YET 5PM, WHICH WAS WHEN THE SNW ORDINANCE IS ENACTED. OPERATOR'S OTHER HAND SLIPPED OFF THE STEERING WHEEL, AND SHE FELL INTO THE CENTER OF THE BOAT. THE BOAT MADE AN ABRUPT RIGHT HAND TURN AND CONTINUED MOTORING TOWARDS SHORE. THE BOAT CONTINUED ON PLANE UNTIL IT STRUCK A LARGE TREE ON SHORE. PASSENGER 2 WAS EJECTED FROM THE BOAT INTO THE TREE WHERE SHE STRUCK HER HEAD AND BACK BEFORE FALLING INTO THE WATER. OPERATOR REMAINED IN THE VESSEL DURING IMPACT, BUT SUFFERED A LARGE CUT ON HER RIGHT LEG, AND A BROKEN LEFT ARM.