I hit a log Sunday while I was out fishing. Sheared the tilt cylinder off, bent the prop shaft. Take the boat to the shop and call the insurance co. Come to find out I have what is called a "diminishing deductible". It goes down 25% every year you don't have a claim. Mine was down to 0 since I hadn't had a claim in over 4 years. Of course now it will go back to 500, but will start reducing again. I didn't even know it was in my policy.

Just something to think about / check in to.