Well I finally got an estimate back from the dealer. $1500 to fix everything - that includes a new fender, SVT skirt, E0 rim/tire, rotor and studs. Even if I find a used E0 Rim/tire, fender from Todd, and ignore the cracked skirt this would still cost more than my deductible. Might be worth it to take the insurance - I could try haggling with them over the at fault part, I've had an accident/violation free record with them since I started driving.
BTW Stazi - yes I did run hub rings on those wheels after I had problems with vibration/torquing them properly.
One things for sure - I'm carrying a wrench in the car and stopping to check the lugs first sign of any noises from now on!
