Double In-Dented-Ty

This week, we hear a dispute between two comedy writers: Andy Wood (Bridgetown Comedy Festival, Probably Science podcast) and Chip Pope (LOPEZ, It Happened in Hollywood podcast)! Andy brings the case against his friend, Chip. Andy accidentally backed into Chip's car, causing damage to the door. Andy agreed to fully cover the cost of the repair. But before Chip could get the door fixed, Chip was in another car accident that caused larger damage to the door. Andy says that because of the second accident Chip should now split the insurance deductible with him. Chip disagrees. Who’s right? Who’s wrong?