this post was submitted on 29 Jun 2025
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My general advice is that if the other person is fine and not mad, then it 'never happened' in the eyes of insurance. The rate increase is almost never worth the actual cost of the repair but I tend to drive beaters.
My advice would be to ask for a used bumper and tell them in any case color match is not important. You can also drive fine w/o the bumper, but make sure your taillight is replaced.
Taillight should be $5 part, $20-60 in labor depending on how anti-mechanic your car's design is.
Car bumpers are about $70, but truck/SUV bumpers can be like $200 and the replacement labor can be nuts, especially if some of the attachment points were damaged too.
No clue how much trunk repair should be but there is a reason you see so many twined down trunks and bed gates...
Replacing latches and strikers isn't too bad, but if the panel alignment is off it could mean complete replacement of the tailgate or trunk lid.