Geez that's just crazy. I once had someone drop their muffler right in front of me (doing 65) and it tore up my front bumber and damaged the grill (not my Z this was many years ago. That scared the hell out of me. You never know what's going to happen driving.
Sorry about your damage. You might want to get an estimate first before contacting your ins. co. If it's about the same as your deductable it would be better not to report it.
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