A practical algorithm of atmospheric correction for turbid coastal and inland waters is provided. The present algorithm uses the property that the water-leaving radiance at 412 nm increases very little with the increasing of water turbidity. Thus, in very turbid coastal and inland waters, the radiance at 412 nm can be used to estimate the aerosol scattering radiance at 865 nm. The performance of the new algorithm is validated with simulation for several cases. It is found that the retrieved remotely sensed reflectance is usually with error less than 10% for the first six bands of SeaWiFS. This new algorithm is also tested under various atmospheric conditions in the Changjiang River Estuary and the Hangzhou Bay where the sediment concentration is very high and the standard SeaWiFS atmospheric correction algorithm creates a mask due to atmospheric correction failure. The result proves the efficiency of this simple algorithm in reducing the errors of the water-leaving radiance retrieving using SeaWiFS satellite data.