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Dagnabit, Ricky, we need to get you a better place to live.
(Though I have to admit, we do occasionally get hail in this neck of the woods. Never enough to damage a car in my memory, though.)
Regarding the insurance company, are you sure you weren't talking to a machine? (Only half-facetious-- they've got some pretty good voice-response systems now, but I assume you would have noticed. Clearly, this company couldn't afford the shiny new VR system, so they went for the "next best thing"-- a human with a script to make it as dumb as a computerized system.)
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