There's a good old saying:
Don't keep a dog and bark yourself
You pay insurance money for an event like this.
You hand all the facts as you know them to the insurers and let them do their job, and deliver to you the results.
And in the meantime you get on with life.
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XC90 R-Design MY2009, Black Sapphire Metallic. HP-Sound, RSE, Nav, Tel, ParkingCam, BLIS, ParkingHeater, RestHeat, Removable Towbar, Summer: CRATUS 20x8 on Pirelli Scorpion Zeros 255/45, Winter: NEPTUNE 17x7 on Continental WinterContact 4x4 235/65.
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