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Would think collision coverage would have covered this. Normal business practice is to be given an estimate for any repairs you have to sign before the work is even started. If they do things on their own, not even liable for that.

Had a windshield broken from a truck, caught the name of it, let my insurance company fight that out with them, that is what I pay them for. Just had to sign a release after I inspected my vehicle when I was positive the work was satisfactory done.

Granted, you practically have to be an attorney today to deal with this kind of stuff, nothing gained by ranting on a board, but hope I gave you and others good advice.

Can only assume this was from a truck that didn't have that stuff securely fastened down.
 
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