Minnesota Code § 86B.303

OPERATING PERSONAL WATERCRAFT AND OTHER MOTORBOATS.
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An adult operator may not operate a motorboat, including a personal watercraft, unless:
(1) the adult operator possesses a valid watercraft operator's permit;
(2) the adult operator is an exempt operator; or
(3) an accompanying operator is in the motorboat.
(a) A young operator may not operate a personal watercraft or any motorboat powered by a motor with a factory rating of more than 75 horsepower.
(b) A young operator may operate a motorboat that is not a personal watercraft and that is powered by a motor with a factory rating of less than 75 horsepower if an accompanying operator is in the motorboat.
For purposes of this section and section 169A.20 , an accompanying operator, as well as the actual operator, is operating and is in physical control of a motorboat.
An owner or other person in lawful control of a motorboat may not allow the motorboat to be operated contrary to this section.
Notwithstanding the other provisions of this section, a person of any age may operate a motorboat that is not a personal watercraft that is powered by a motor with a factory rating of 25 horsepower or less without possessing a valid watercraft operator's permit and without an accompanying operator in the motorboat.

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