Originally Posted by MN3.6R
DO NOT USE YOUR INSURANCE, this will be an at fault accident. If its just the bumper, you can get one from rock auto primered and shipped for about $215, get it painted for about $200 and install it yourself. otherwise your probably lookinf at over $900 going to a shop, even more if you must really have OEM.
This is good advice to consider - people take off and put back on their bumpers for headlight mods; there's instructions all over the place. If I were you I would verify that I can find a replacement bumper (and fog light housing) and have it painted for less than my deductible. If that's truly the case then I would take the bumper off myself to inspect for any damage beneath the surface, and if there isn't then pursue the labor myself.
PS. I cry every time I think of a Legacy GT taking damage like this, or even worse being junked altogether. It's not like you can say "F-it, I'm gonna lose out on this one and just buy a new one..." anymore...