It really depends on your insurance. Most companies won't hit you up unless you really start racking up comprehensive claims but most of the time they don't get you until you get into an actual accident or ticket situation.
Also, there are a lot of companies nationally that will pay the deductible and bill the insurance company directly leaving you $0 out of pocket and without hassle since they'll do it on site.
Rick
PS I'll have your strut bar done shortly.
