More bad luck

If it wasn’t for bad luck I’d have no luck at all. While riding last week some kid was crossing a trail and hit into my back tire. Enough that his rim bent like a pretzel. I loaded on the trailer and went home. Inspected it and noticed small crack in rear bed fender. No biggie. Load up to go riding yesterday. Pull off trailer drive up towards trails. Engages 4×4 button and immediately something is grinding. Turn back towards trailer and camp. Noticed it only grinds in 4×4. Also rear yoke on prop shaft spins freely meaning splines on rear tranny shaft don’t spin propshaft. All this only in 4×4. Runs and drives fine 2wd. My guess is propshaft u joints are junk and something broke in either tranny or front differential. Taking to dealer and calling my insurance hopefully they consider this damage from accident and cover it. By the the way Pa doesn’t require dirtbike to have insurance so he don’t have it.