I was coming in a couple of weeks ago and struck something submerged in 12' water that caused my motor to jack right out of the water an stay that way, the result was internal failure in the lower unit. Now here is the tricky part, my insurance won't cover it becuase there is not a mark on the lower unit or prop. They tell me without somekind of mark or indication of a hit they have to denie my claim. I have 2 witnesses in the boat at the time it happened we all felt it and saw the motor kick right up. The area I was motoring back in is a deep creek that has submerged tree floating all the time. They are deniying it because it's there OPINION that I didn't hit anything and that it pinion gear failure caused by wear and tear. I told them they are entitled to their OPINION but I was the one in the boat and I know for a FACT that I hit something, I'm just totally fustrated at this moment and not sure what direction to turn in. Has this ever happen to anyone else or know of it happening to anyone?
