I don't think it'll be too bad. Had friend with an 2001 S2K who slid into a curb and messed up the whole driver side. I mean broken calipers, rims, struts, and the whole side was dented up. Yet it was still insured and wasn't total'd. Then a year later a truck hit him in the back real bad, but it still wasn't total'd out. and that was a good 3-4 years ago. BTW insurance was State Farm.