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Goes both ways tbh... Someone loved tapped me in rush hour - I requested bumper to be replaced not repaired... Guy couldn't afford it out of pocket so it went through his insurance... $7xx or so for new bumper etc... Unfortunately for him, he scuffed the rear diffuser and one exhaust tip - bill went from about $1000 for just the bumper to almost $10,000 for exhaust and diffuser and dumper...
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