Buddy, sorry about the ding. I was in California at the time of the ding, honest!
This is where "Insurance" becomes a mystery to me.
If you use Insurance to fix it, your rates go up. [then why have it, your at fault?]
If you don't use Insurance to fix the ding it will be out of your won pocket
Either way you pay for the kind gift, with Insurance you just pay more to have the ability to pay over time...wtf?
Sorry for the rant...kind-a