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Here's how it'll pan out.
Your insurance company will claim that in their assessor's opinion, the dent has been caused by the crash.
Their insurance company will claim that in their assessor's opinion, the dent has not been caused by the crash.
You can press them for it, and they'll go to court...
http://www.cliosport.net/forum/showthread.php?684354-DIY-Stop-that-irritating-climate-control-buzzing
As for the interior rattle, can you work out where it's from?
It's a light, no idea what for though, as it could be about 18 million things. Try taking the ashtray out and seeing if it's wired to anything behind there.
What about a direct short when your mate accidentally kicks something? How much current does that draw? What the LEDs draw is irrelevant.
Putting an inline fuse in, as you have suggested, is fine though.
Really sorry to hear this.
At least be thankful that you weren't seriously hurt.
Personally I'd be looking for a RS right now, but if you do want to go elsewhere it's your choice, best of luck.