Someone hit my M3 in the parking garage and scratched the rear bumper cover through the paint into the plastic (the cover is in one piece with no cracks or missing pieces). Sentry mode caught the accident but the resolution was too low to pull a plate number so I'm going through my insurance company. I stopped at the SC and they suggested I just replace the bumper cover, they have one in stock and could do it in a couple of hours. Only problem is my insurance company wants a body shop quote to repair it. I'm guessing that to come in around $600 while my deductible is $500 (replacement at SC is about $1,200).
Has anyone had any luck getting their insurance company to replace a damaged rear bumper cover instead of having it repaired?
Are there any talking points I could use when dealing with the insurance co to build my case for a replacement vs. a repair?