RedactedNarrative: OPERATOR FAILED TO NOTIFY ANYONE REGARDING THIS INCIDENT UNTIL HIS INSURANCE COMPANY WANTED A REPORT.  ALL INFORMATION WAS GATHERED AFTER THE FACT AND THE OPERATOR HAD ALREADY TAKEN V1 TO A REPAIR SHOP IN MISSOURI.  ACCORDING TO THE OPERATOR THEY WERE TURNING AROUND IN A COVE WHEN THE LOWER UNIT STRUCK SOMETHING IN THE WATER; SHEARING OFF THE PROP AND CAUSING LOWER UNIT DAMAGE.