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I would say they will cut you a check pretty fast.
I don't think pulling the rear bumper is that big of a deal to do yourself. I'd probably check for a used one online and you may even get lucky and find a good artic silver one you can pick up on the cheap. You could certainly at least find good used one that you can have painted and then put it back on yourself to save a good little chunk and maybe even learn a lil' bout your car in the process.
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