Not being a stranger to unforeseen circumstances...
I had been informed recently, that say a moped such as any hits a side mirror on a new high end vehicle. It cost 2000 for the mirror but then to re calibrate the sensor system it needs an alignment new brakes and shocks may need sensors replaced.
All said and done with labor. It can be up to 15 grand.
I do not think my 75 dollar a year would cover that.