What I learned when I backed into a rock taking my boat of the trailer at a ramp in Maine a few years ago: If the drive is over 10 years old, they will value the parts at 10% of retail, but they will pay full labor.
BoatUS Insurance covered everything that was even slightly damaged by the impact and I only changed the parts that were unusable so I ended up making a few grand on the deal. If you can change the broken stuff yourself, you can likely cover the parts at new cost. That said, I'd shop for used parts and pocket the extra money. You had used parts when you started the trip...
What kind of drive and what broke?
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