RedactedNarrative: V1 WAS HEADING NORTH TOWARD SADDLEBACK ISLAND. OPERATOR STATED HE COULDN'T SEE VERY WELL AND RAN INTO THE ISLAND AT APPROX. 35 - 40 MPH.  OPERATOR INJURED HIS THROAT WHEN HE WAS THROWN INTO THE WINDSHIELD.  PASSENGER WAS INJURED WHEN HE WAS EJECTED ONTO THE ISLAND. THEY SWAM TO THEIR HOUSEBOAT TO CALL FOR HELP AND WERE  TRANSPORTED TO THE BOAT RAMP BY A FRIEND TO AWAITING EMS. V1 HAD MAJOR FIBERGLASS DAMAGE (COMPLETE SEPARATION) TO THE BOW, PORT SIDE, STARBOARD SIDE AND BECAME COMPLETELY SUBMERGED.