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um, unless the laws are completely different in Canada, you don't have to go to the dealer. That would be some seriously shady shit. Find a local body shop that is willing to guarantee their work for the life of the vehicle and get them to do a thorough quote. I'm guessing you are going to want to go through insurance though.
You want to feel good though? I was in florida and I sideswiped a freaking stop sign in the rain. Talk about absurd. It was $5000 dollars in damage, they had to replace the rear quarter panel completely and repaint the entire side. The shop fought tooth and nail with the insurance company, and I have 3 lifetime warranties on the work they performed.
That really sucks, but it could have been worse.
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