So someone in their POS backed into my rear bumper. Although it's not bent or cracked, there's serious paint missing, and I don't know if their insurance is going to try and repaint it or just replace it. If they do replace it, I was thinking I would just take the money and go buy a respectable off-road worthy bumper. However, I can't find any for 5th gen. Anyone know who makes one and would they recommend it?
KO, not seeing your damage and only going by your description, I am pretty sure you will get paid for a repaint only. Even a replacement bumper usually comes primed only and has to be painted at the body shop to match. So, if no damage to the plastic (except paint) or other internal parts, (mounts, absorbers etc.) then a repaint is probably what you are going to get.
Now, word to wise, do not tell the adjuster from the other insurance company (or your own carrier for that matter) you do not intend to repair the damage. In fact, make sure they are paying for a complete removal and reinstall of the bumper, or at least the bumper cover, so it can be painted properly separate from the vehicle. If you tell them you do not intend to repair, you might get a lesser settlement etc. etc.
You might also run into this problem. The adjuster may not be able to see all the damage in the bumper assembly, so he/she may want the body shop to tear down first, then they will reinspect to make sure they catch all the damage. If that issue comes up, it will be up to you to either accept a settlement for all known damage now, or wait until the tear down. At that point however, after tear down, there is a cost involved which may be subtracted from you final settlement if you decide not to have the vehicle repaired at that time. Then of course you might have to have the bumper reinstalled in order to drive legally. Also, if you have a lien holder on the car......they have a financial interest in seeing the vehicle's damage repaired.
If you make a claim to your insurance company, they usually have a legal as well as a contractual obligation to name both you and the bank on a settlement check. Many times that obligation is fulfilled by naming you and the body shop which is supposed to assure the lien holder the repairs are being made. If the liable party or their insurance company is handling the claim, usually they are just worried about you and should only name you on the check. However, Texas has some different laws down there and you may want to look in to that issue further.
Good luck and stay safe.