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Well, the insurance company isn't going to fix a car that has a higher repair cost than what the car is worth...... depending on how bad the damage is you could just agree to let them total it as long as you can keep the car too, they probally will because it isn't worth much parted out.... then cash the check and buy the parts you need from a junkyard, sounds to me like all you really need is a headlight..... if you don't mind a scuffed hood and bumper.
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