We went through this a couple of years ago. As someone said, check the label and it if say ONLY WHEN WORN, you must have it on at all times when in the boat or have another one readily available for each person in the boat. Check the KTDFW Fishing and Boating manuel at:

http://fw.ky.gov/pdf/2010fishguideboatingindex.pdf

Scroll through the pages to the part about PFD.

Grumpy