Yacht Accidents

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I'm writing a story in which the main characters get lost at sea, and end up on some strange island. I need to know if there's any way a long distance cruising Yacht could crash in/near/on the island/sandbar, and what the possible causes of that crash/accident could be. Also, it would be helpful if I knew what the damage would be to the boat. Here's the exact boat and its specifics: http://yachtbroker.escapeartist.com/boats/action/view/boat/401/index.html

Googled: Yacht accidents; boat accidents; long distance cruising yacht

Thanks in advance!