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kanundrum is absolutely right. I work in autobody as an estimator and work hand in hand with these situations and insurance companies on a daily basis (Namely, GEICO). Make sure to remove everything, they may say they will pay you but trust me, do not believe anything they say unless it's fully documented, or somewhere in their policy for claimants. Wish I was closer so I could come up and help this weekend. Sucks it had to happen, but it could be a lot worse. Hopefully everything works out for you