My broken st. Still debating whether i should make a collision claim on it. It makes sense at the moment because my deductible is 300 and just the bumper alone is 500, but then I don't want my insurance rates to go up and to stain my perfect driving record. I've never been in an accident in 12 years of driving....well until recently, single vehicle accident, which I refuse to admit fault because my tie rod snapped while I was driving.