RedactedNarrative: V2 was idling south bound around Federal Point on the St Johns River operated by operator 2 with passenger 2 onboard at approximately 1200 hrs.  V1 was also south bound operated by operator 1 going to Palatka docks where his truck and trailer were.  V1 was going approx 20 mph when it hit the back of V2 and ran up the stern.  Passenger 2 was sitting on the stern and saw V1 as it hit V2.  She tried to deflect the bow and was ejected from V2.  She was not wearing a PFD.  After a brief struggle she was pulled onto the boat and was rushed back to Crystal Cove where she was examined by EMS.  She refused to be taken to the hospital at that time but said she might go to the hospital in Jacksonville.  The operator of V1, Operator 1, stated that V2 was in the sun's glare and he did not see the vessel until he hit it.  Operator 1 was issued a citation for violation of navigational rules (rule 8 Action to avoid collision) and a warning for careless operation of a vessel.  He did not have any insurance and stated the he would cover all expenses.