Andrew,

Did you sign anything at all? Did you give a credit card? I know my dealer makes me give a credit card and sign a slip type thing.

Do not get your insurance involved. All it will do is make your rates go up.

If you did not sign anything at all, then they did not give you the opportunity to have damage waiver. Go with this and stick to it.

Then if they put you to collections, and it hurts your credit get a lawyer and sue their ***.