...some chewing gum, and can or red spray paint and a pops-a-dent should take care of it...

damn man, i truely enjoy how you still manage to appreciate her rack, even if its in the reflection of your jacked up front fender... lol, none the less, pick your place of repair wisely! and dont take any sh*t from either the shop, or the insurance company... you deserve to have your car repaired right, and to be treated with respect in the process. they will cut as many corners as possible to get it done for as cheap as possible if you let them! so DONT!