Try explaining that to the insurance company!
In 2013, ADAC helicopter pilot had to make an emergency landing in Ochsenfurt but he accidentally landed a part of the helicopter on someone’s car.
Pilot and EMTs only noticed the accident on exiting the helicopter.
Firefighters who were nearby helped to lift the helicopter up so that the car could be pushed out of the way.
Aircraft was declared unfit to fly and towed to a nearby fire station, then transported to a maintainance hangar for further inspection.
Try explaining that to the insurance company.