If it's any consolation, insurance companies are among the first to get reamed on the price when it comes to fixing and repairing what they "insured". Now if you could just get yourself inserted into that foodchain..you might feel a whole lot better about the $500.00, as well as make triple that amount back plus interest
. I'm not excusing what they do by any means, just pointing out that it is all relative to where you are standing, how a thing looks...