I was riding as a passenger on a jet ski at Center Hill Lake near Smithville, DeKalb County, Tennessee. The PWC operator was driving real close to the shore at a high rate of speed and hit a big rock. He lost control of the jet ski, I got flipped off, and tore the rotator cuff in my shoulder. Is he responsible for my medical bills?
More details are necessary before your case can be evaluated properly but generally speaking it is considered reckless driving of a personal watercraft device (jet ski) to operate in too close to shore. If the operator is determined to have been operating in a reckless or negligent fashion, he or she can be held liable for your medical bills. In addition, you may also receive compensation for your lost earnings, future lost earnings, pain, suffering and disability.
Remember that as a passenger you too have a responsibility to exercise reasonable care for your own safety any time you are on a jet ski. If the operator is engaging in horse play it is your responsibility to encourage to operator to behave appropriately and, if he or she fails to do so, to get off of the jet ski as promptly as it is prudent to do so.