If you get involved in some sort of accident in the water, whether it is a lake, a river or the ocean, you need to know that there could be serious complications. It depends what you get exposed to in the water itself. You may not think that your injuries are all that bad in the first place, but that could change in the future.
Like car accidents, most boat accidents could be prevented. The problem is just that one of the operators involved makes a mistake and causes a crash. There are outside factors that contribute -- storms, rogue waves, etc. -- but it could be argued that even some of these accidents could have been prevented if the operators knew what warning signs to look out for.