49-year-old Michael Doster and his wife Pamela were out jet skiing in Tampa Bay, Florida on Sunday afternoon . . . and she decided that'd be a good time to confront him about something.

Apparently, Pamela had spotted Michael GETTING-IT-ON . . . with a GUY.

So they started arguing, and it turned to fighting . . . then Michael YANKED Pamela off the jet ski. She hit her head on it when she was falling off, and refused to get back on . . . so she swam to a sandbar to get away.

When Michael couldn't find her he called 911 . . . and when the sheriff's department found her on the sandbar, she was naked except for her life jacket. She also had a few bruises and was taken to a hospital.

The police report says they've only been married for two years and they were both drunk. Michael was arrested for felony domestic violence.

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