You really need to at least notify your ins co of the situation even if you don't think you need them quite yet. They can't do anything to you, as far as raising your premium or loosing discounts w/o you filing a claim...although they still may be able to assist positively in the justice of this case.

1999 Sportage 4x4...don't go there, it was free ....______o_o .../_l l__\____\ ..|--l l__----[]\|/[] .....................oo =( )_)----( )_)--)_)