dude if its under your name in the insurance and you tell them you wrecked, they are gonna raise your prices a lot because of your age. and most likely since you hit her, even though she pulled out in front of you, they will blame you for it. if you don't have to pay anything to her, i'd leave it alone and just pay up for a bumper, it'll probably be cheaper than paying the higher insurance.
and for the bed bob, idk about that.. if you want an expedition rig then i'd leave it full size. mines a rock crawler and i want to keep it full size, theres almost no room in them anyway. and the shell bob would probably be pretty hard, especially bobing the glass.
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