RedactedNarrative: On july 26, 2020 at approximately 5:00 p.m. operator was operating a 1999 hurricane fiber glass boat. The boat was 17 feet and had a 130-horsepower outboard engine. There was one male and one female passenger in the boat; and three female passengers were being towed on a tube. 
       
  Operator stated that the weather was clear, and the water was choppy, with waves from six inches to two feet.  He stated that the air temperature was approximately 100 degrees and that the wind was light, and visibility was good. Operator stated that he has over 100 hours of operator experience and has taken an online boater safety course. The boat was equipped with all the appropriate safety equipment and the tubers were wearing the appropriate pfd''s at the time of the accident. 
       
  At the time of the accident, operator was towing the three female passengers out of a large cove, attempting to make a left-hand turn to go back into the cove. He stated that the boat was traveling at approximately 10-20 miles per hour. When he did make the turn, the tube flipped over, ejecting the passengers. One of the passengers was ejected from the tube and after making contact with the water experienced loss of feeling in her lower extremities. 
      
   at approximately 5:30 p.m. moncure fire department launched a boat at cross point access area, traveled to the cove and retrieved subject and returned to cross point access area.  I arrived on scene at approximately 5:45 p.m. and began the incident investigation.  
  
  She was transported to unc hospital, where she was diagnosed with two fractured vertebrae in the upper region of her spine. 
  
  Contributing factors to this accident include:
  -     sharp turn
  -     excessive speed
  