when i was in high school, i was detailing dad's '86 944 turbo. i put the roof panel on the roof-rack of the family wagon, did my cleaning and forgot to put it back. hours later, i was driving the wagon across town, took a left at a major intersection, heard a scraping sound on the roof of the wagon, and saw a bunch of cars skidding to avoid the "ufo" coming off my car. i say dad owed me one...
as far as the insurance is concerned, i had one body shop give me a price of $500 to "blend" the paint. pro-finish gave me a price of $1500 to do the job right. my deductible is $500. Grundy insists that because it was nobody's fault (hit and run in a parking lot) my premium will not be changed. if this is true, i just assume spend the same out of pocket and have the repair done properly.