RedactedNarrative: Operator stated he was headed down river when boat suddenly took hard left turn causing vessel to capsize and roll over.   Operator advised he lost steering power and could not correct the turn.  Vessel hull was split on starboard side and inside vessel fiberglass on the console and inside walls.  Also motor was damaged at the top and bottom.  Vessel was ruled total loss because of age by insurance at a value of $6,000.  Operator was shaken up with some scrapes, was checked by medical response and released at the scene.