Ms Russell was preparing to head away on holiday with her husband Craig Russell in October 2014 when she saw an advertisement for Mack Attack jet boat rides.
Thinking it would be a fun way to kick-start their holiday, the 60-year-old Havelock North resident booked a trip for the second day of their break in the north.
She didn't have any concerns about the boat ride before they took off. However she started to get a bit nervous mid-way through the ride, when waves began growing in size and strength.
"The waves just got bigger and bigger and he didn't slow down — he just kept going," Ms Russell said.
"I looked at my husband and thought, 'jeez, this is a bit worse than I thought it would be'."
She recalls the moment when she looked down and realised the boat was aqua-planing and then the vessel dropped.
"And that's what got me."
Ms Russell heard a crack and knew it was her back breaking.
"The driver comes around and he says 'Oh, you'll be all right, you've just winded yourself'."
After some discussion, Mr Prentice said he would drive her to shore. On the way, however, he pulled into another bay and stopped.
Ms Russell said she was not able to think or move through the extreme pain she was experiencing. Four years on, she still suffers back pain and said she could not stand for long. She went through months of physiotherapy and had to give up her career as a manager and travelling salesperson.
Maritime New Zealand ordered Mr Prentice to pay $32,630 in reparation and the company was fined another $55,000. He was fined a further $5500 for failing to take practical steps to help keep passengers safe.
Seafort Holdings was fined $90,000 following a similar incident in 2012 when a passenger was left a paraplegic after a rough trip in the Bay of Islands. And company also ran into issues in 2013 when Mack Attack was involved in a near-miss incident with a ferry.