killed a raccoon / damaged bumper :(
Anyway, please see photos of my bumper and kindly excuse the nasty bugs on it. I'm just wondering how to go about it: should I bother w/ insurance and would it affect my premium or would you just handle it yourself? No idea if the bumper is a write-off or could be fixed? Any ideas on cost and suggestions for bumper style or recommendations if you're in the Toronto area?
I will also be asking my insurance agent, posing a hypothetical to see my coverage, but it's always good to ask for more opinions.
Dunno if I'm asking all the right questions. TIA for your help.
(PS Out of respect for my emotional wife, not going to be showing the video.)