Seeking General Guidance

I was at home cheapo today just parked getting out of my truck when a fairly large push cart came rolling across the isle into the front of my tacoma similar to the op with no one around. Pissed off, I checked the truck for any damage, was surprised just to see a slight mark that got marred into it. Was able to rub it to out with some elbow grease. These trucks are tougher than their given credit for.

 

option 3 sounds good you obviously love this truck and are pissed about the fitment make the claim and be happy we pay to damn much for insurance to never use it and to damn much for these trucks to not be happy with them