I accidentally scraped the side of my car on our new school gates (the car park is a nightmare with parents, kids and other vehicles coming out of a tight space at 3:15). The gates lost their paint down to the metal. The Head has said she is getting a quote from the people who installed them next week. She will try to see if they will do it for free but otherwise I must pay. She knows it was an accident. Do I have to pay? Surely schools have accidental damage cover. I am an LSA and don't earn very much. I wasn't going to repair the damage to my car (dented in places) as I don't really want to have to pay for the excess and then my insurance premium posibbly increasing. It is not very serious damage, and it just needs painting and perhaps priming. Anyone know what the position on this would be, please? I would like knowledge of similar cases and policies rather than moral thoughts. I just want to know the position. Thank you!