Get it adjusted and then Park it outside and sit it directly in the sun on the hottest days. Several of those will pop out. We did that at the dealership.
My guess is that the vehicle will be classified as “totaled” and you will receive a check for the actual cash value (ACV) of your car. This will also mean that your insurance company will no longer allow comprehensive coverage.
Dave would say don’t fix and keep the car and use the funds to pay off debt. If no debt, put in mutual funds that always average 13% for him, somehow.
Companies Home Insurance Underwriting has really tightened in the last year. The Derecho and other hail, wind and rain events have caused some companies to drop homes with claims and others not to accept new clients with claims in the last three years. Rates have also gone up with almost any company. Make a claim your rates will go up, don't make a claim right now and rates will still go up. Also, with the used car market your 2015 with 100k miles is worth quite a bit in today's market. Might be suprised at the cost to fix, value probably higher now meaning they may not total it out.
