Hi PF: So I had an incident with a neighbor about a month ago. The long story short is my dog was on a leash in the back yard, leash was tied to one of those sprial "stakes" that thread in to the ground. The dog saw something (neighborhood is full of squirrels), managed to pull the stake out of the ground, chased the squirrel in to my neighbors driveway, the stake was dragged behind and did some damage to the car door. Neighbor calls the police next day, police leave their card on my house door, I call the officer and explain what happened (and that it was my fault, etc.) and offer to pay for any damages. Officer then leaves this (a quote from a repair shop that my neighbor forwarded to the officer) on my door yesterday: What does "INSURANCE PAY" refer to? Who's insurance? How much out of pocket am I responsible for? (I'm willing to pay the entire $815.00 since this accident was avoidable but the insurance thing is confusing)... Thanks for the help!