What they're trying to say is that the body shop will use an equivalent charge for painting the front bumper as they would to replace the factory bumper.. So you pay deductible, buy Amuse kit, and the paint/install charge would be wrapped up in the insurance claim.. In the end, you will probably save 12-1500 by using the insurances money.. All they care about is getting the damage fixed.. They don't care what parts you put back on the car.. they only pay for OEM parts or OEM remakes... meaning they will give you enough money to replace those parts, and nothing more.. You can do whatever you want with the money they give you.. Just note that they will assume you fixed your car with their money.. You could always just leave it busted up and pocket the money as well
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