Daughter went thru 4 way stop and hit another vehicle - no physical injury to anyone, but damage to other vehicle and my 2008 Toyota Highlander with 222,000 miles. Front bumper and hood damage and Anti-lock brake light and VSC light on. Estimate of repairs $3,300 with 500 deductible. I am thinking of getting Anti-lock brake/VSC issue fixed and living with the bumper and hood damage - it is not that bad and the vehicle may not last much longer. If I opt opt for this route, will insurer give me a check for body work estimate minus deductible? Thanks for any input, Mark