RedactedNarrative: V1 was travel at an idle speed in a westerly direction.  V2 was positioned off shore of a small island, unanchored, its occupants fishing.  
  
  V1 operator became distracted by a statement made by his granddaughter.  The granddaughter said a beach toy had fallen out of the back of the boat.  The Operator turned to see what had fallen from the boat. Due to the distraction, V1 collided with V2.  
  
  The points of impact are the bow of V1 with the port gunwale of V2,  113 inches from V2 bow.  The impact of the collision displaced the aluminum gunwale approximately 3 inches.  The only visible damage to V1 was a minor deviation of the rubber, rub rail, at the bow.  No occupants were injured, no occupants were ejected into the water.
  
  Both V1 & V2 stayed sea worthy and were able to return to the boat ramp under their own power without assistance.  Due to the manufacture materials and design of V2, the owners were advised, by an insurance representative.  V2 will be considered a total loss.