<prompt> Human: A semi-large animal ran in front of my car a few weeks ago. I think a nutria or something like that. It cracked my front bumper and pulled down the protective plastic on the bottom.I looked at it was able to screw in on part of the plastic, but it ripped out hole in the bumper, so I cannot attach it fully. It hangs down in front and rubs once in a while.I am not sure if this is worth calling my insurance about. I was in a small fender bender last summer they said my fault, so im not interested in rates going up any more. I have USAA, which everyone says is great, but I feel I got screwed on the fender bender. Only accident I have had in probably 20 years.What would the best option be? Should I get a quote at the body shop, then decide on calling insurance? I can probably rig the plastic back up somehow, and live with it.  <response>: Find a good local mechanic to pull the bumper cover and check for internal structural damage. A hit hard enough to rip a mounting point is likely also hard enough to collapse some of the internal crumple zones. If thats the case, you could be looking at a thousand repair, at which point youll want to talk to your insurance. 