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You need to play more Forza Op.
Anyways, it is a good idea to go to a body shop and pay by your cash.
I wouldn't recommend it though, because in the picture, your car will likely cost $3,500 (Cheapest) for the estimate. All out Estimate would be in the 5-6k as in replacements of everything, Body painted matching color and etc...
If the insurance pay for you, and it wasn't you on the insurance, you could ask your dad to take the hit for you, and his insurance won't be raised up much.
Now, it would be 10x more expensive if the insurance knows it was you who operated the car....can you imagine their reactions ?
"WTF ? This guy got in an accident all by himself ? I wouldn't be his passenger!"
The exact reason why they will jack it up 10x compare to your dad
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