I hit something submerged, probably a log since the area has no stumps. Adjuster says since there is no damage to the outside of the unit or the prop it is a mechanical failure of the pinion gear. The prop does have a couple of small nicks on it. The marine mechanic tells me that his experience indicates I hit something. I'm not a mechanic but I know I hit something. Anyone have any experience with the insurance company in such matters? I'm not willing to walk away. Any advice?

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