Dang that sucks Bill! Do you own it, or are you leasing it? Makes a big difference (IMO) if you're gonna keep it for the long haul, or only a short while. If short term (like 3 years or less), you'll take a big loss on resale value. Long term (like 5 years or more), it won't be as big of a financial loss. If it were mine, I'd have the insurance company fix it because I generally don't keep a car longer than 3 years; I get bored too quickly.
