"I don't remember.....is it legal for a ~ 7 year old to be riding on a jet ski? "
Don't think there are any age restrictions for those things as long as user wears a life jacket and is supervised by an adult. But if the mom was on at the time, sounds perfectly legal.
I think all PWC have the same caution stickers on them that 4 wheelers have warning user to be of 16 yrs of age or older.....
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