Florida is a great place to get away for a vacation, but with any new environment, it takes time to get used to. You planned to head out on the water, but what you couldn't have expected was that you'd get hurt as a result of participating in normal water sports.
You rented a small sailboat from a local marina, but while you were out, the mast moved oddly. Suddenly, it cracked, and you were struck by the top half, which had been damaged and finally broke under the strain of the wind in its sail.
You should know that renting a sailboat requires the owner to guarantee that it is in good working condition. Since the boat suddenly broke, there's a chance that the owner already knew that it was damaged and continued renting it out to unsuspecting tourists. Now, you were fortunate, because you were with someone who could help you get back to the marina and call for emergency care to help with your head injury, but you can still file a claim.
If your injury was a result of an equipment failure or negligence on the part of the owner of the equipment, then you should be able to file a personal injury lawsuit or seek compensation through the owner's insurance. If the owner will not help you file a claim through their own insurance company or they do not have insurance, then a personal injury claim will help you take them to court to make sure they'll pay for your medical care and any other losses you've suffered as a result of their oversight.