That sucks, I've passed that milestone already and insurance is still a bitch and half to deal with at times.
I got rear ended at a gas station once because the dude in front of me pull up to the gas pump so I parked in the parking spot behind him, he then threw it in reverse and backed into me and then claimed that I slid sideways all Fast and Furious style into the spot seconds before he reversed.....
After approaching me for info exchange his girlfriend made the statement "Babe this is the 2nd time someone has hit you" and he agreed, I nearly fucking strangled the kid.
Luckily there was a Cop at the gas station who came over shortly before I attempted murder and took accident statements, when he told his story to the Cop about a "parked car hitting him" the Cop bust out laughing, shit you not, literally lol'd
My insurance still had to dispute the claim...........