Fault of Operator

Speeding; overloading; improper loading, not properly seating occupants of boat; no longer lookout; carelessness; failure to heed weather warnings; operating in a congested area; not observing the Rules of the Road; unsafe fueling practices; lack of experience; ignorance of aids to navigation; lack of caution in an unfamiliar area of operation; improper installation or maintenance of hull, machinery or equipment; poor judgment; recklessness; overpowering the boat; panic; proceeding in an unseaworthy craft; operating a motorboat near persons in the water; staring engine with clutch engaged or throttle advanced; irresponsible boat handling such as quick, sharp turns. (USCG2)