If you reported this loss it would be a comprehensive claim and therefor wouldnt(or at least shouldnt) hurt you insurance premiums. Kevan is right, if the damage is over $1000 then no body shop will touch the vehicle unless you have a valid damage sticker.
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"Man, so long as he remains free, has no more constant and agonizing anxiety than to find, as quickly as possible, someone to worship."
Fyodor Dostoevsky - The Brothers Karamazov
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