almost same thing happened to mine, at least to the rear panel there--- you can get an aftermarket (or OEM if you want) fender for about $140-$180, then have a paint shop paint it, the price i'm not sure of there, lots of people have different prices--- the rear panel though, I was lucky and mine just popped back out, so hit it from the inside a couple times and see how bad it is... otherwise, yeah that's body work that almost any shop would do but they'd charge you as much as they can for it---- Depending on how much you want to save on insurance, it might be worth it to do it independently from the insurance company--- at least get 2 or 3 estimates from body shops, then you have something to go on--- and most insurance companies like to have 2 or 3 anyway to review before they make the final estimate and cut you a check.