I'm a fairly new driver and rear ended a woman on the weekend. Little more than a scrape on her bumper, but she has gotten a quote for bumper replacement for $1200. Cops say that bumper replacement is preferred to repair, which is why it's so high.
She's given me the option to pay cash, or to pay via insurance.
Is there any way for me to dispute the $1200 price tag, which seems a bit high?
Will the increase in my insurance be more than $1200, making it worthwhile to pay her cash?
Is there a rule of thumb for this sort of thing?