I have a 2013, I hit a pothole and the car alignment was thrown was off, pulling hard to the right. I brought it to a shop and after inspection, the front subframe has cracked and will need a new subframe. I was advised by the shop to contact my insurance co which I did. Is this something that would be repaired by the incurance co? The frame was pretty rotted and I worried I will be stuck with the entire repair cost.. The car has 130k on the od..