Talk to a body man about price before you talk to the insurance company. A claim not filed counts as a claim in many states. Talk to your insurance agent about a "hypothetical" situation. A knowledgable agent will understand and get you the necessary information without having anything hit your record.

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85SD 240K & stopped counting painted, putting bac together. 84SD 180,000. sold to a neighbor and member here but I forget his handle. The 84 is much improved from when I had it. 85TD beginning to repair to DD status. Lots of stuff to do.