Pancham, you are better off selling life/health, if you trying to work out of your home. P&C is a tough road to sell on your own. Read thru the final expense threads. And maybe speak to either, Mark rosenthal, Twilight, Newby or Todd. They could give you some direction.
It depends upon your insurance policy coverage plan. If you file a first party claim, your insurance company will either pay to repair the damages to your vehicle or pay you the value of your vehicle if the damages exceed the car worth.