Well lately i have not had good luck with cars. my fiances hood flew open while driving her 99 jimmy and did over 1000 in damage that was last week. well today on my way in to work the person in front of me on the highway quick swerved and before i realized why i hit what appeared to be a large cooler. well got out at work since the damage was already done and the fasica was cracked on the bottom below the fog light on the right side of my car. any idea what insurance does for debris on the road. will i have to pay the deductible. i am calling to place a police report at 9 am since its only 6 right now.