watch out for claiming small items like that...there is an unwritten limit to how many claims an insurance company will let you make, no matter how small before they drop you, and then good luck finding another company that wont charge you everything you have just for minimal coverage....To them, a 200 claim is treated just as a 20000 claim...and if its on your parents insurance, you could be screwing them depending on how many total claims they have made, incase they need to make a serious claim down the road...insurance is great, but make sure its worth it