Wakina, sorry to hear of your misfortune. It was 1988 and my very first trip to lake Erie with my brand new boat when I was passing the point at the North East corner of South Bass Island well off shore at 40 mph when I hit the rock ledge. Bang, what was that? I raised my lower unit to see 1 blade remaining and my lower unit fin sheared and cracked. I was a rookie in 1988 and lets just say I will never forget my first trip to Erie. I guess that's why we pay insurance.