Don't think this is a ginge...

What does he tell his insurance company when they ask him if he had any
accidents in the last 5 years?

http://paul.hillman.net/cars.html

 

Gulp!

 

I'd imagine, very little. I get the impression his car was untouched as
he couldn't park it in his normal spot. Those in his normal spot were
damaged.

Which was fortunate for him and his new car.

 

That's how I read it.

Quite.