James - So go ahead and screw the insurance company? A little here, a little there that's why we all pay more in insurance. C'mon James not a smart thing to tell someone. The proper thing to do is call your agent and discuss what both claims involve.
There are two claims involved here. # 1 is a collision claim. You ran into the car, the parked car didn't run into you.
#2 is your key mark. That is a comprehensive claim, vandalism.
Insurance fraud is serious business and shouldn't be taken lightly. Most all companies, especially ours have an adjuster in house (at the repair shop) or send someone out. Yes they can work with you but let the insurance company do that.
Pat