I took a hit this spring, NYC, in my '95 850. Damage to the rear bumper also the left rear panel. The repair bill was $3200, which my insurance paid. My deductable was $1000. Since then, my premiums have gone up and I've had to drop collision and comprehensive, because it's just too expensive. At least my car is in one piece and looks great. Get an estimate. The insurance companies take the easy way out. Even if it wasn't your fault...everyone pays. Damage to your car could very well be 5-6,000...more than what your car is worth. Some cars, it doesn't matter much what they look like you just drive them...but not the 850. That car has to look good.