Omanu Surf Club lifeguard Ronald Dobbs was driving down the beach when he was waved down by a group of people.
"They had got her out of the water on her surfboard," he said. "They had all done the right things and treated it as seriously as possible so further damage wasn't done."
Someone was already supporting her head and an ambulance was on the way so there was nothing more Mr Dobbs could do to help.