Don't file with your insurance or take it to a body shop that will report it. Once that $hit is on your carfax report, the value takes a dump. I just went through this while trading in my Audi A4 to get the new Z. They saw that some moron hit my rear quarter panel on the Audi (perfectly repaired but showed up on my Carfax report) and suddenly it was "damaged goods." The problem was the repairs cost $1800, but in the end it probably cost me just as much based on how they depreciated the value due to the bad report.
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