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Repair or go through insurance?

Hello guys,

My girlfriend needs to get some paint repair work done on her 2011 Acura TSX. There is no dent or body damage, but there are significant scrapes on the right side of her rear bumper and a small scrape on the lower right of her trunk.

The bumper has some small areas where metal is showing, and the trunk scrape is barely (if at all) felt by the fingernail.

She was quoted at over $1100 from one franchise-type body shop and I thought the price was a bit ridiculous, but I am not experienced with body shop pricing. I am going to attempt to get some more quotes throughout the week (it is tough due to us both working)... but...

Does this seem reasonable to you guys? I attached the pictures to this thread. If it is anything over $600 I am assuming it would be best for her to through insurance? For those who have went through insurance for such repairs, did you premium go up a lot?

Thank you.


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