Your first mistake is turning it into insurance, you have to settle this shit outside of insurance because your young, your a boy, your going to get fucked anally. For ME it was a $500 Deductable + my insurance would go from $2k a year to $4k a year for 3 whole fuckin years so I just slapped $1500 in the dudes hand and that was that. Funny thing is, we worked at a body shop so he got it fixed for like $1000 and kept the extra 500 for me being a fuckin idiot.