What company do you have....I hit something a couple months ago and tore up the lower unit on my boat....I went to the insurance company, filed a claim, they came and took pictures and i had a check within 2 days....the only visible sign i'd hit something were scratches on my prop...I have Farm Bureau and would highly highly suggest them...The guy I took my boat to said he mainly deals with 2 companies....Farm Bureau who pays every claim, and another company who hasn't paid a claim yet....I work in a family owned body shop and can say the same thing for these companies....KFB is by far the easiest to deal with