Well, I hope it's something the hubby can fix. The problem with car ins. is most likely it won't come near your deductible, and if it is over, they still want you to pay for it yourself so you don't run your ins. up. So my question is if, we have to pay for it ourselves, why even have car ins? I know my son was in a fender bender a few years back, it did $1200 damage to the car in front of him. Anyway, we called State Farm, she said, if you have the money in a savings acct. take it out and pay for it to keep the ins. from going up. So, that's what we did.