Guys,

I had an accident last night. I am feeling so bad and have lost my appetite

BMW said they do not repair but will replace parts. the major parts they said that would be required to be changed are

1. front left fender = 40 k INR = 800 dollars
2. left headlamp = 90 k INR = 1800 dollars
3. front bumper = 40 k INR = 800 dollars

Labour is about 150 dollars.

Insurance says they will only cover 50 % of the cost because the parts involved are plastic.

Shall I just go to a bodyshop and get the fender and bumper fixed and painted? I have gotten a quote for the repair of the front bumper and the front left fender for about 600 dollars. BMW said I will loose some body and paint warranty if i do it outside of BMW.

I will need to purchase a new headlamp though..

what shall I do? go through BMW and pay through my nose or go to a reputable body shop and get the front bumper and left fender repaired?

They body shop dude said the fender can be repaired....look at the pic, there is a crack in it...

Any help would be greatly appreciated.

Thanks Guys!