If you do claim it to insurance then you probably want to fix. If you don't and don't have a receipt of fixing it, then if you have an accident, the insurance will take that amount out from your next accident(hopefully it wont happen).

'95 Contour GL, zetec mtx, drop in K&N, exhaust res removed, 4 10" Kenwoods powered by 1000W Visonik amp, 4 5"x7"/6"x8" Visoniks

"Buy American or apply for Japanese welfare."

www.geocities.com/fordcontour05/contour.html