depending on the insurance company you can send them the bill while others require an estimate first.
Your cost wont go up.
You can replace the bumper with something of equal or lesser value. An m3 bumper would be more, but you could pay the extra.
<span style='color:gray'><span style='font-family:Courier'>1995 e36 3 Series RIP
1999 e46 3 Series BURN IN HELL
2000 MR-S Roadster= Current</span></span>
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