Originally Posted by 1Sleeper
Without knowing who your carrier is, insurance will definitely pay for it but they will probably "adjust" your rates unless you can find some better info on state/local dealings with people in similar situations. Your insurance guy (the agent at your local place you get insurance) would probably be a good person to ask about this stuff. They've generally seen everything and know a lot of this info (especially for NJ as you live there and the accident happened there). Good luck.
Insurance guy is at the dealership negotiating the price of the damage. 8000 dollars is a ton of money. The question is, do we want a dealership, or should i say stealership to repair the car? Or do I want a excellent auto body guy we know to repair the car for much cheaper?