Bet an otter pushed her out.

The Monterey Fire Department responded to San Carlos Beach below Monterey Plaza Hotel and Spa on Cannery Row at 12:30 p.m.
“They were coming in on kayaks and the first lady came in without incident and the second lady, when she started to come in was knocked out of the kayak by a wave,” said Monterey Fire Division Chief Felix Colello. “And then the wave slammed the kayak into her legs and broke her legs.”