I was in a wreck caused by the city leaving their sprinklers on and the water freezing overnight. I slid into a light pole and insurance has said my car is totaled. I now have a $500 deductable plus the difference in what I owe on the car vs. what insurance says it's worth. (Did not have GAP) Residents get fined for leaving their sprinklers on when it freezes. Do I have a case?