This came up a few weeks ago. The way we interpreted the law was...
If there is a responsible adult with a license and someone under 16, the under 16 year old can drive the boat with the adult.
If the person is 16 or older, then they must have a license to drive.
I'm not sure if that is fact, but that is how we interpreted the law.
Quote:
A vessel powered by more than 25 horsepower (other than a “ski craft”) may be operated by:
* A person 16 years of age or older only if he or she has obtained a Safe Boater Education Certificate.
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Source:
www.boat-ed.com