I got rear ended in March. As long as it's not your fault there's no issue. The bodyshop mentioned that cars don't have what people traditionally call "frames". Your car would have to be screwed terribly for it to be considered total. So that eased my nervousness a little. And to get some money back for loss of value, you just have to file a claim from what I'm told. I'm going to go that route here in the future. Also I would use this time to get whatever aftermarket bumper you'd like to get. As long as it's cheaper in cost than the original you should be fine.
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