my boat has now been in the shop 5 weeks for a new lower unit. it took the place 3 weeks to give me an estimate after they told me they would have it in a few days. now i am fighting with the insurance company as they do not want to pay. i hit a log in yatesville and tore up the whole lower unit. they claim that didnt do the damage because there weren't much scuff/scratches on the motor and prop. i proceeded to tell him its a stainless still prop and they are dang hard to scratch. also mentioned to him that the boat and motor had knocked the log under and didnt even hit the prop. his main point of emphasis was that there just werent "much" signs of where i hit it. now i have had insurance for almost 20 years and have NEVER filed a claim for boat, car, homeowners nor has my wife. the total estimate is 1392 and they dont want to pay 892 dollars. after several calls (threats of change of companies) and a call to my agent, a new adjuster has been sent, and the claim is under review. i asked if next time if i should just set it on fire and claim arson? i know a couple people whom have gotten away with that crap. i also asked, if this happens again, do i bash the motor and prop with a bat and make it look beat up? its ridiculous to have to pay high rates because of the liars and cheats and they dont ever want to pay for the truthfull folks. 892 bucks is all they have to pay. i wish i know how much money ive given those frauds over the years!