I hit my lower unit on submerged rock pile, lake was down 16 ft., made a claim and they took care of it. The agent came out as soon as the mechanic pulled the unit and told him to order a new one. It was settled in a couple of days, which I think is very quick. Took a while to get the parts but all is good. I would recomend them since my deductible was $250 and the bill was $3,400.