man, this kinda thing sucks, i was so pissed last time it happened to me, not at fault but what can can ya do... seems people just love to drive into my skylines... anyways, last time i had to claim, i didnt even do the police report, too much messin around, just got the details, got the car towed, went home... problem with insurance is you have to make them work for YOUR money.... you will probably be waiting a month and a half before you get your car back... depending on who your with i guess... oh and btw... call them and ask to change to an aftermarket kit! will prob cost less also... dependant on how much damage was done of course!!