First of all, you will need "comprehensive" coverage. "Comprehensive" covers your vehicle, and sometimes other vehicles you may be driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. It pays to fix your vehicle less the deductible you choose. You will need to discuss this situation with your insurance company. Because, if you have the necessary coverage, they may be responsible for the claim, and they may have some rules that apply to your situation.