Well had that happen about 5 years ago. So turned it in, no prob BUT.......... as I had had a break in two years prior it was to much in some point thing so they refused to renew so my insurance went up. So make sure the damage is enough to make it worth it on down the road.

One thing I learned was get to the adjuster fast ( they usually have a 1 800 number ) and don't mess with much you don't have until they say whatever. Seems to save time and disagreements.