One more thought about this:I don't have any issue with the idea of being compensated by the insurance company, even if you are not planning to make the repair (a loss is a loss...).However, you might want to think about your neighbors for a moment. When you process the claim, their insurance is likely to rise. If they have had a previous nick on the record, it could rise quite a bit (esp. since there is no doubt of fault here). And there is likely a deductable they will have to satisfy.If they are willing to settle with you (even for less), it might be the cool thing to do to take him up on it. I dunno, maybe you don't know them or care, but I think I'd be peeved if a neighbor made an insurance claim against me after I offered to make good. Having friendly neighbors might be worth more than a couple hundred bucks in the short term. Of course, if your neighbors are jerks or something, don't bother. Just my thoughts...-brad
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