This is what kills me. People with lack of integrity and morals. Not to mention you parked far away where other vehicles will not be close to the proximity of your car. I do the same if I am going to be more than a few minutes at a certain location. One thing I have learned is not to take my Z out for specific reasons and specific times. Anything related to going out at night; bar, club, dinner, movies etc etc. I just don't do it anymore because of people who do these kind of things. I don't know if the sensitivity can be adjusted on the factory alarm, but if it can I would do so.
Your rates if you do file a claim may or may not go up depending on your location, when I was in Hawaii a hit and run would increase your rate, when I was stationed in Texas it would not. Also did you file a police report? Some insurance companies require a police report within 14/30 days of the incident. Based off what I can see on the picture this looks like vandalism. Your deductible is going to be cheaper than replacing it yourself. If it were me, I would file a claim, cash the check, get aftermarket bumper, and paint it while it is not mounted. Then install it myself, might have a few bucks to pocket since repair shops charge for removal and installation labor. If your insurance company allows this, some do some don't, when I had a local insurance company when I was younger they allowed this, now I am with a bigger company so it is not allowed. Either way sorry about this, and if you don't want to file a claim, definitely check out paintless dent repair, my buddy does this and they do some awesome work.
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