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Do you carry "comprehensive" auto insurance? I had a similar problem and my insurance company treated it just like a broken windshield. I paid $100 for my deductible and the $400+ repair was all taken care of.
In my case, a large rock smashed the headlight and corner light.
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D.H.
04 ML500
02 E430
Experience is something you don't get until just after you need it.
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