I hit a kerb stone in a car park at night there were other bits like it in the car which had cones round it but this one didnt, i hit it n bent my subframe where the lower arm bolts on and the seat belt pretensioner went off! cost me £100 for new seatbelt but lucky the subframe wernt to bad so we just bent it back abit. I did think about claiming but i knew full well it wernt even worth the hassle.