Believe it or not, most boating accidents occur when the weather is calm and clear and winds are light. In fact, the main cause of boating accidents is human error.
Persons falling overboard or the boat capsizing and the victims drowning because they are not wearing PFDs cause most fatal accidents in small boats. Even if you are a good swimmer, the urgency of going into the water unexpectedly, along with fatigue caused by stressors, could render you helpless.
Most non-fatal accidents are caused by collisions with other boats or objects in the water. Remember that the rules of the road require that a lookout be posted at all times. Make sure your lookout is doing his or her job.