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If you go through insurance, it will be considered a collision. Any damage that is under the car/low to the car is considered "avoidable". Collision charges will increase your dates.
If the bumper is cracked, you'll have to replace the bumper. You shouldn't repair a cracked bumper.
You're looking at maybe 800 dollars or more... Just for the bumper cover.
If it's not significant, I would just leave it.
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