Hello community, unfortunately I was a bit careless today and I already scratched a block of stone while parking and partly torn off the bumper. There are at least 2 brackets broken, but we were able to bring them back halfway into the normal position. In addition there are of course also big scratches. But more should not be broken. I have comprehensive, Huk24, 277€, excess 300€, damage-free class 15 (30%). Can you tell me how high about the repairs Should I pay it out of my own pocket, or let it run over the insurance? How does it work with the downgrading at Huk, which contributions do I have to count on next year? I also added 2 pictures. Greetings