Dont be scurrrrrrd. Taking off the bumper and fender is a joke. Since your car is new its even easier, the bolts wont be rusted on. Get the parts off ebay, youll save a grand right there. You wont be really doing body work either, just taking a broken bumper/fender off, and putting a new one on. Take ya 2 hrs tops...... I bet you can save 15 hundred bucks if you do that. Think about it. Thats fifteen extra crisp $100 bills in your pocket. That will take care of a few months car payment.

 

Heres a bumper for under 200 bucks......I bet the dealer charged over 400 for a bumper. I see this as a great oppertunity to save yourself some moeny, and learn a thing or 2 about your car..........where do you live? Ill come help, I only require beer.

 

If it don't affect his ins. premiums much I say let ins. take care of it. Probably going to be the cheapest way. How much deductible will you have to pay?

Sorry about your car dude.