<human>: Can you condense the text into three sentences or less?

Long time lurker first time poster. 

Context: this happened last summer, I was moving to Charleston, SC on a hot hot July day. I finally was done unloading everything and hopped in the u-haul to go pick up my car. So if any of you aren't familiar with Charleston, there's quite a series of bridges that I must drive this giant, lumbering truck over to get downtown to the u-haul location. 

After about a 20 minute drive, I pull in to the u-haul parking lot. As I'm about to get out I reach down to my pocket and WHOOPS, no car keys. So I turn the truck right back on and turn around. 

In the process of driving back I, of course, miss my exit to get back on the interstate. As I need to turn around, I start looking for a parking lot to pull into. I notice a church coming up on my left, which is great, a nice big empty parking lot! I quickly turn into the lot only to come to a sudden stop as I hear a loud bang. 

What I didn't notice, as I'm normally driving a small ass car that doesn't require me to check such things, is a low hanging tree branch (and not a flimsy one either) that I have now smashed into. 

I get out to survey the damage and I have put a rather large dent into the top corner of the truck. I shrug it off, as I had purchased the insurance. So no big deal, I'm covered.

I make the drive all the way back to my apartment, get my keys, then drive all the way back to the u-haul center. I pull in and they take the keys and don't even bother inspecting the truck. I figure I've got the insurance and, you know, I'm not an asshole so I'll tell them about the damage. Little did I know that anything above the windshield is not covered by the insurance. 

At this point I'm freaking out thinking I'm going to owe hundreds of dollars, but luckily it only wound up costing me about an extra $85. I'm pretty sure the girl who was working there helped me out a bit since I was honest with her after she completely missed the damage.
<bot>: Left my keys at home when I went to pick up my car, damaged moving truck on the return trip and had to pay extra $85.