RedactedNarrative: The Victims and Witnesses were all staying a residence (also owner of jet ski's involved). All 4 individuals had been assisting with yard clean up, consumed one beer each, then went out on the lake (Pioneer Lake) each riding a jet ski by themselves. None of the 4 individuals had valid boater safety certificates as required by Wisconsin law. The individuals headed out across the lake, where they all met in the middle for a brief time, then took back off. The two witness's were out in front, and stated that they were approximately 100 yards away from the other two. Neither witness observed the actual accident occur. Witness1 stated that he looked back and saw Operator1 laying face down in the water, off of his jet ski.
   
  Witness1 stated that he turned around and went back to where Operator1 was laying, where all three individuals jumped in the water and helped upright Operator1. The individuals attempted to get Operator1 back onto a jet ski to get him some help, where a third party boat came out from shore after hearing the commotion, and assisted in getting Operator1 into their boat. 
   
  Both Operator1 and Operator2 stated to RIO that they had been traveling straight towards each other, where they attempted to turn away from each other, but ended up colliding head on. The Jet Ski Operator2 was operating over rode the top of Operator1 Jet Ski where Operator1 was struck in the chest area with the front of Operator2's Jet Ski. The impact subsequently knocked Operator1 into the water. Operator1 sustained internal injuries to his lungs and spleen. He had bruising /swelling to his left hand, and a large (10"+) laceration to his lower left leg near his shin area. Operator2 was uninjured in the collision.
   
  The owner of the Jet Ski's stated that he had State Farm Insurance for coverage on all of the jet ski's. Damage estimate of Vessel 1 is blue book value.
   