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Originally Posted by jbollt
You don't decide. Take it to a body shop. They will make an estimate that you give to the insurance company.
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And don't let the other guy's insurance tell you THEY'LL look at it. I suspect it depends on the state, but Washington will let you take your car to shops of your choice for estimates. Such a hassle, to be sure, but look at it this way: the shop very well could say hey, it's just a scratch and there's no damage to the strutrure, and all you are out is the hour or two for the inspection.