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86 Posts
I would not report it. Even if you have good comp insurance they will usually write it up as $4K in damages and then salvage title it. Then repairing will be very expensive with junk yard parts and DIY labor not accepted by state. Everything must be new and shop installed at shop labor rates with special inspection at end. Trying to pass the cost to the insurance company can backfire quickly and hurt you financially long term, nevermind the risk of higher rates. It usually takes a year to get an R title and it wont be eligible for ridesharing and will lose thousands in value. That damage is limited to parts that can be replaced in a weekend for under $300 if you nab a junkyard donor. It would be much worse if you hit hard enough to tweak the subframe. The strut would likely be trashed and wheel ripped off long before the subframe would be doneso.
I'd absolutely repair it and keep rolling. I'd buy it as is in a heartbeat if you dont want to. Good luck.
I'd absolutely repair it and keep rolling. I'd buy it as is in a heartbeat if you dont want to. Good luck.