Yeah, that's what I was afraid of. I was pretty sure but figured I'd see what you guys thought. Whelp now time to fight with insurance over it. Thanks for the reply!Hate to say it, but......... I think you are right. I'm at 300K now. If this were to happen to me, I'd probably assume that as well. Good luck. Someone vandalize my hood about a month ago and that cost the insurance about $1300. That was just to replace the hood and paint it. Nothing else. This is much more involved.