So a dump truck recently tried to make a right turn into the solid matter that is my 99 outback. It ended better than one would think, as my car put up a good fight and bent the truck's front fender to a 90 degree angle. There is damage to the rear driver's side door, quarter panel and bumper, as you can see in the pictures. The door doesn't open because the handle is cracked. It can be opened from the inside.
Insurance is actually offering to fix the whole deal, at a cost of almost $5500. They somehow valued the car at $8000. No idea how that happened. It does have fairly low miles (97k). My questions are these:
Do I just take it to the shop and have it repaired?
Do I take the money and have just the bare minimum repaired out of that money?
I have the means to replace the door with salvage yard stuff (hopefully different colored to class it up) since my car is everywhere here in the northwest. There are several doors available and I have someone who could do it for me. It wouldn't entirely match up to the quarter panel. I don't know if that is just cosmetic or if that is something that could be an issue. If it's just cosmetic, I'm fine with it.
It just seems kind of silly to put $5500 into a 15 year old car when I'd be happy with just what I needed to make it usable. The thing that makes me hesitate is that there could be some damage that isn't visible from the estimate that would crop up later. Also my husband just wants to get it fixed so there's the "I told you so" factor I'm trying to avoid.
Thoughts? I'd be eternally grateful.