It's a Saturday afternoon in July. You're on a friend's center console heading out of Fire Island Inlet. Perhaps your family booked a charter out of Montauk. Or maybe your kids are swimming at a rented house in Southampton, where the pool was supposed to have a working gate. Then everything changes in a matter of minutes. A collision, a fall overboard, or a child underwater for too long. A Suffolk County boating accident or near-drowning can leave a healthy person with perman