A ghost ship wrecks the boat your on

You are up on deck, watching the endless miles of water soak by. You nod off and a seagull taps your hat while standing on your shoulder. You lift your head and the bird flys away. You see a old looking dark ship coming your way. Its coming right at you! You scream in horror and wave your arms violently. You shoot off a flare and still the ship keeps coming. It towers over the little yacht. You fall back on deck screaming as it hits! Nothing happens, the ship is not material, it goes right through the boat like fog. You can see inside the ghost ship as it goes by. Skeletons of sailors long dead. The others rush onto the deck to see what the screaming was all about. You just tell em you had a terrible nightmare. You don't feel like explaining what you saw, you keep it to yourself.