I have the exact same thing happening on my 06 Mazda 3. I've been hesitant to get it fixed because I don't think you can walk out of a body shop for less than $1000.
It's hard to justify selling a car that is otherwise excellent, and paid off, for a tiny bit of rust.
A salesmen at Mazda said I should have gotten the undercoating. I don't see how undercoating would have protected the 1" painted sheet metal in the wheel wells though.
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