I have been pretty lucky so far. The worst is probably having to get towed back in by the Coast Guard out on Mohave.
We were out on my first boat....a bayliner with an 85 HP wacker on it. I was towing a newbie skier who kept falling, he went down and I spun around to pick him up and killed the motor. After he got situated, I cranked the motor and it didn't fire, so I turned the key again and hit the starter before the flywheel has stopped. The starter shaft bent when the two gears contacted and it was jammed stuck. At the time I didn't know much, I probably could have freed it with a hammer......
We flagged down another boat and they got the big coast guard boat for us and we got towed all the way back to Katherines. we were up near the powerlines at the time.
Worse even was that the CG boat left us at the farthest out dock, and we had to get the rest of the way in with the help of a PWC. :yuk:
At least no one got hurt and the tow was free.