 initial damage quote was right around seventy five hundred dollars seventy five and then they charge you ten thousand dollars exactly yeah why wouldn't you and you'd rather pay the seventy five hundred dollars than turn it over to your insurance company correct do the math the reason being no no the reason bear with me for a second the reason being is if if i do turn it over to my insurance company they're going to raise my rates that's correct are they going to raise your rates ten thousand dollars