I parked my car in a parking lot yesterday and a dump ass parked next to me put a dent on my front passager door while I was at work. when i on my way after way, there is rock came out of nowhere and put a half inch crack on my windshield. now every time i look at my car, the crack and dent are driving me nut. I have full cover on my insurance, can I call them up and get money to fix my car? If I do that, are they gonna raise up my insurance? or just get the money out of my pocket to get those fixed? please help me out.