Hey Sylvia,
I feel your pain! These things never hit at the 'right' time!
Our youngest son is still in our insurance. Earlier this year he got hit in the rear by a hit a run driver. No damage at all. Then, he got clipped by a hit and run driver on the freeway. This one took out his driver side mirror. The last one, he had to take my truck to work. Some idiot backed into my truck in the parking garage. Big crease in my rear door on the SUV.
In each case, our only choice is to report these incidents to the insurance company and let our son pay the difference, or just repair them ourselves. The first two were actually reported through police reports, just the claims weren't filed. Since his insurance, with a clean record, no tickets, is still over $300 a month, we'll eat the repair bills. Since he's on our insurance, the deducible is $500 for each repair.
Hope you're feeling better! At least in our case no one was injured!
Maureen
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Never discourage anyone...who continually makes progress, no matter how slow.
'Plato'