Since nobody chimed in, my simple advice is take it to the body shop of your choice, pay your deductible, and forget about it. There's a strong argument for having low deductibles. I've carried a zero deductible for years, but State Farm will only go $100 now. My ins is very reasonable. Good luck getting it all hashed out. IMO it's not worth the hassle to sue the state over $500. Doubt if you'd win.