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@phamnga25 Since there's no ticket or accident involved, I would guess it would depend on how much the damage is and how much the insurance company has to pay. Now. I don't work in the insurance industry so maybe somebody that does well clarify. It also depends on like I said where you are...

@phamnga25 It's hard to say, what state or country are you in and are you on the policy yourself or are you on your parents policy? Not knowing what your finance are, but you may want to see if we can pay for the repairs out of your pocket and not go through the insurance