[Shotimes] OT Golf Clubs and Car Insurance

[Dave]

I don't want to call my insurance agent about this.Lets say for instance 
that one should happen to forget to toss their clubs in the trunk and 
get a phone call at the same time. Forget about said clubs run them over 
and damage the rear bumper cover. cracked in a spot and an exhaust tip 
bent down. Fixed the tip already. Would one think that one's full 
coverage insurance would cover this? I'm not saying I did this but it 
may have happened to a fellow SHO owner. Or should said person just bite 
the bullet and do his own repair? Ok I'm off golf club shopping.
Dave
90 Red Cracked rear bumper cover. 9 iron in exhaust tip