I had a brand new Cadillac a few years back. A drunk hit me down on Bartlick and tore from the back window to the tail light out. He had no insurance and only spent the night in jail. My insurance had to fix my car, including replacing the half vinyl top. To beat it all, I had ran completely off the road to miss him when I saw him coming toward me.
Yes, I really hate it about your car and your hubby. We wish him all the best with his health......and you fooling with the insurance bullies.