Someone killed in boating accident-opinions?

A family of four is on the water with no witnesses, 2 stories came out of the Coroner's Office on the . day of the death. 1) The Dad is leaning over and messing with the propeller (with the engine running in both stories!) and the 11yr old son puts the boat in gear, Dad falls off the boat, the Mom then puts the boat in reverse and runs over him. 2) The Dad is in the water some feet away from the boat, the son puts the boat in reverse and runs over him, the Mom puts the boat in gear and runs over him again. I am sure there is confusion, but I don't understand how the Mom doesn't know if the Dad is ON or OFF the boat (a 24ft boat) before the accident. She might have changed the story because she couldn't abide the thought of people thinking she ran over him, she clearly thought the story would not get out about her son hitting his Dad. But if she wanted to protect him, why change the story in the first place? Unless she couldn't stand the thought of people thinking she was the one at fault, which is consistent with her personality. Also, there was the matter of money. She lives for dinner parties at her home, which she loves to show off, she has more photos of her home than of her kids. Very materialistic, it's extremely likely that they had financial problems, due the amount going out & their business is the type to drop off in this economy. The insurance policy from his death would have assured they/she wouldn't have to sell anything, the condo, the house, the cars, the boat etc, something she couldn't abide due to her pride. She told me she never broke down once since his death (pride?) and has lost a lot of weight since his death, has been doing Coke, and has been partying incessantly since his death. I want to know from this info if 1) anything looks wrong with this, if so what? and 2) Does anyone else think she should have known whether he was on or off the boat prior to the accident? 3) Is the changing of the stories consistent with that of someone grieving, or someone trying to cover their mistake? And anything else?