If it is a case of "not possible to repair" then yeah that sucks since you won't get much towards a replacement. If it were more of a "not worth it to repair" situation I would fight like hell until they got you into a driveable vehicle. After all it's not your fault some woman has an irrational fear of bees.
And yes if you flail around like a lunatic in front of a bear it will sting you. Most people don't notice this though because immediately after the sting it eats you leaving very little evidence of the initial prick.
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