vcor
Tech Specialist
Sorry to hear of the damage. The reason the repair is costly is that the rear fender needs to be replaced. It is cut out and a new one is installed which is a fair amount of labor. The bumper replacement is relatively cheap (maybe $1-2K). There is very likely some not-so-important structural damage under the bumper, so I have no idea how much work that will take to fix. It's hard to tell from the one photo if the rear hatch is also damaged - which is quite expensive - usually requiring new glass too (it often breaks in attempts to remove it). Lastly, all the new parts will need to be painted. That estimate of $20K+ seems reasonable to me (well, reasonable for what shops charge for this much damage). I hope you come out whole in the end.