explain to your insurance company why you didn't report it earlier. I'll go out on a limb and say that you won't be the first person this has happened to.
I'll also go out on a limb and say that an insurance adjuster will get hyperactive about the enjoyment of sticking it to someone who is trying to submit a repair bill estimate from months before the accident.
If your dad has a heart condition and is stressing about this, to me it's a no brainer what you should be doing. Money is money, but your dad getting sick over something as stupid as this, you can't put a price on that.
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"OOOOOOHHHHHHH those Russians" - Boney M
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