Yep, thrice, different boats.
1st time on the Cedar River going around what they call "Dead Man's Island". Went thru the back channel at about 50 mph and hit a cement wing dam that was about 16" below the surface. Was driving a runabout with a 135 hp outboard and the engine flew up and the boat did two 360 degree spins. Wild ride! Checked out the motor and about an inch of the skeg was missing. Prop looked fine, and motor fired right up. Only other damage was the rear seat latch broke. No one was injured and skeg was welded and shaved to normal.
2nd time, was driving a 19' Crestliner tri-hull down Harpers Slough on the Ole Miss. Hit a sunken log hard enough that it threw the two of us to the deck, boat turned right and hit a sod bank of an island. It was another outboard and the steering arm bent so that the boat would only turn right. Managed to drive it back to the dock about 5 miles away by using a trolling motor to make left turns. No injuries and had a spare arm in the garage, so was back on the water in a couple hours.
3rd time, wife driving and pulling me on ski's in the main channel. Going along nicely and outdrive flies up and I slowly sink. I'm yelling to see what happend. Next I knew, I felt a rock, so I stand up and I'm on an unmarked wing dam. So they're coming back to get me and she says the engine is vibrating. I take a step toward them and fall off the rock, so I go back the other way toward shore and fall off the rock again. The section she hit was only about 3ft square, talk about bad luck. Anyway she beaches the boat and I check the outdrive and the stainless prop is missing a blade. Luckily, we always carry a spare, so changed props and we were are on way again. No other damage done.
These events all happened 20-25 years ago.