lol, where you get that ani image, funny!
One time I was parked and watching traffic and one of them 6 inch drain covers had popped off its mounting and was sitting in the hole at an angle \ like this. As I watched, I said to myself if someone hits that thing it could hurt. Wasn't the next car that came by, ran it over and it flipped under their car and sounded like it made 3-4 holes in the car, lol.
As for filing a claim, I can imagine that they make you jump through so many hoops to recover. I would take photos and measurements and also have a mechanic document that this caused the damage. If filing a claim is anything like the crooked courts and cops in this state, it might be a battle.