A little perturbed

[Duck Butter]

So have some dents in my work truck and took it in for an estimate. Took it in to a body shop and he looked at it and told me what needed to happen. He asked if it was gonna be paid for by insurance, I said preferably not. I asked would that really matter. He says 'hell yeah, I am gonna stick it to em". This surely has to have a negative effect on insurance rates I would imagine