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not sure of your state laws but no chance in hell a rear end would affect ur insurance its not fault.
i would absoluetly go through insurance a new bumper cover plus paint will get you 1500 dollars. anything is repairable; but the bumper cover alone is 1k which is a nice payout from insurance.
probably going to have to eat the diffuser damage but find one on ebay.
i collected 1.7k from insurance left the damage there. most of that can be buffed out
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