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Involved in hit and run. Driver’s insurance paying $1600 but repairs are $5600. How do I handle this? I drive a BMW less than a year old. I was hit in the right rear quarter panel with mostly scratches and maybe a minor dent. The driver’s insurance is offering $1600, which I have not yet accepted. I took the car to the dealership today and they quoted $5600 and said the bumper needs to be replaced because of the sensors, plus a bunch of other ma…