OK - my turn
This is why I love sacrificial aluminums
- Kinda like Zincs
That damage is really not bad - for now - provided that you did not damage the lower unit internals / seals. THAT is the big issue. The skeg, while bent and needing repair - not replacement - is something can be waited on and you can even adjust the trim on the cavitation plate which "SHOULD" be sufficient to compensate a little for the bend in the skeg. Your bent skeg should not capsize the boat under the massive forces of a 130 horse I/O
but you should do a test session to verfiy changes in handling.
Key first thing is to CONFIRM that you are not leeking water into the lower unit or oil out - this is vital.
Don't go thru your insurance unless your lower unit is severly damaged - especially as where you DRIVE for a living. If it jacks up your boat insurance that's one thing but if it jacks up your LIMO insurance - that's something else altogether.