its not fraud, I have comprehensive insurance now, I could get it fixed now, but you know what, its still summer, before summer is over we will have another hail storm, so instead of my car being down for 2 repairs, it will only be down for one. Its no different then the jackass with a chip in his windshield who waits untill his windshield cracks to fix it. So please do not preach to me the rules of insurance and what you think is fraud, because you have some stupid narrow uneducated prospective on insurance

oh and before you say im dodgeing a hit on my insurance by getting one repair instead of 2, comp claims dont effect your insurance