I just have liability on it, but I was led to believe by the officer that his would cover it. I called my insurance (State Farm) just to touch base, and they told me not to hold my breath. Since there was no contact between his car and mine, and I hit the sign on my own "choice", the accident is my responsibility. I'm going to try and get some compensation to fix my car, but I'll probably end up eating this one out of my own pocket. At least I still have the stock bumper...