I think that the force may have knocked the clutch master cylinder loose, cause i noticed fluid leaking inside from clutch. As for the insurance thing, homeowners company told me that because we own the property, its not covered, but if it was someone elses car it would have been covered. BS if you ask me, but i cant afford to take the insurance company to court, so i figured why fight it. I think i could have gotten something out of it, but i would have had to sue my father, lol.