wow dea, that must have been awful for you all. i'm thankful we have full comprehensive insurance for that reason. we have a subaru liberty and for insurance it is in the same class as bmw's and such. last year i had 2 german backpackers at work reverse into my car, they wanted to pay straight up for the damage (a small dent), and i turned around and said " girls do you have insurance and they said NO, and i said well i do, and if you were to pay me for the repairs it is going to cost you $2,500". both girls started to cry. poor things. i still have the dent and didn't claim, so all was good.....cheers kiya