Took it to a second marine dealer today, Duncan Marine. Same opinion-hit something, pinion gear exploded and could see the point of impact, even pointed out a scar on the skeg. They said "we can handle this" . I called the adjuster and he came to Duncan. They spent about thirty minutes with him and he approved the claim. Hat's off to Duncan marine on hwy 25, Brandon. First look they said "we'll go to battle on this one for you. The insurance company is crazy." They did and I'm happy! (the first marine place did not want to be involved in the adjusters decision.)