hahahaha, the school is probably going to claim act of god. But yeah, 500 bucks isn't too bad. I never claim anything on my insurance--- I dunno why I even have it- but it's the law. Hopefully I will be able to get my car problem fixed soon and have the same outlook that you are having on things (my passenger front wheel either has a warped rotor or the brake is dragging....the result is slowed acceleration and the steering wheel has an ungodly shudder and shake). The nearest porsche dealer is 30 miles away.... I'm going to try and go for it this wknd. Good luck with ur car.