RedactedNarrative: Vessel 1 (V-1) was traveling south on the Suwaannee River on Monday, May, 7 2018. At approximately 3:56 PM, the operator advised that the steering locked up on the vessel. He advised that in the past he could " jiggle " the steering wheel and it would unhang. The operator stated that he could not get the steering to work and when he noticed he was going to impact the bank, he pulled back on the throttle at the last second before impact. V-1, despite reducing speed impacted a rock on the starboard bow portion of the vessel. The operator injured his knee and was transported to Lake City Medical. The operator had undergone X-Rays. After speaking with the medical personnel it was believed the operator had a torn ACL and ligament damage along with swelling and bruising.Passenger had minor injuries to his finger but refused treatment.