This is probably true. I'm no lawyer, but the burden of proof for a civil trial is much lower than a criminal one. She could be found not guilty and still get his with a massive civil penalty. Mind you, Canadian courts tend to be less generous with these types of awards, so it'll still be interesting to see what happens.
In a civil tort ligation, (ie: the injured suing the O'Leary's) there is no civil "penalty"
per se. There is an award of damages intended to financially compensate the victim(s)
Having said that, if the (civil) Court finds there was particularly egregious wrongful conduct, the Court
may award "Exemplary" (Punitive) Damages to deter future conduct.. Which is as close to a "Civil Penalty" as there is, AFAIK.
Here is an interesting summary of types of damages in civil litigation.
https://www.hosseinilaw.com/types-of-damages-in-civil-litigation/
And as Mandrill pointed out, once a Criminal Court has determined guilt, Civil Courts regard it as a matter of
fact. The only thing to argue is how much are the damages.
I don't know whether a conviction of careless operation of a vessel under the Canada Shipping Act would also create the same "fact" in civil litigation.
When I think about it, it would seem that even if she were convicted of the charge of Careless Operation, that in a civil trial, the fact of her carelessness might only be 25% or 50% of the cause of the accident which led to the damages.
So let's say that the family of the (passenger) Uxbridge mother sued for their loss. They would likely sue Linda O'Leary as the operator of the boat, the registered owner of the boat she was operating (maybe the boat is in Kevin's name or whomever) , the operator of the Pontoon Boat, and the owner of the pontoon boat. The Court would then decide who is responsible for what portion of the damages.
So it is possible that even if Linda was careless, but for the negligence of the operator/owner of the unlit pontoon boat, there would have been no accident... it may be that the unlit boat operator/owner could be on the hook for 75% or more of whatever damages the Court established.
Finally, once such an accident has occurred, the Liability Insurance of the boat's owner (and maybe even the personal umbrella liability coverage of Linda/Kevin's homeowner/cottage insurance) takes over the civil aspect of the case as they are the one's who may be on the hook for the damages.
Personally, I have a $5 million dollar personal liability endorsement on my homeowner insurance. So if I break Kyle Lowry's ankle by accidentally hitting him with my shopping cart in Dollarama, I'm covered up to $5 mil! Costs me an extra $200 a year I think. well worth the peace of mind.