So a teen backing out of her drive hit my Hundy and left me with damage on the back side and some scratches on the bumper. Everything still works , door is working .. Insurance company says they can fix it with $2,750 and wants to cut me a check.. They claim they have a panel and will make it new again. What would you do ? (of course rear light replacement is a must) This is on a truck that has seen some action and has other issues like hood , light rust in rocker.... 260K ..