I had a full coverage policy on my NX2000, luckily. A 300 pound icycle fell from a 5th story awning and pierced the car, right up at the firewall. Fender, hood, glass, firewall, brake cylinder, pedals, fender support, axle... All taken out. It was covered as "Act of God". And since then, I know the importance of "Act of God" insurance.
-> Steve