Um, total we had a catastrophic failure on out 1990 Alpha 1. Driving at 2500rpms and BOOM dead motor and came to a standstill. Motor woukd not turn over. Felt like we hit a sub merged log. Wouldnt crank over.. Got towed 3 miles back and I could smell random gearlube. Got back, towed home. Pulled outdrive and attempted to start motor. Fired up in 1 second and sounded great. I knew the problem was outdrive then. Pulled upper cover and the ring gear is missing teeth and a hole on the side of the case. Needless to say its toast. Prop also damaged and missing skeg too. Anybody ever do an insurance claim? If not approved is the mercruiser that much better the SEI?