I’m surprised they don’t just sell the bumped car and give out a brand new one. The damage in the original is very small and I’d not mind having it as a beater.
I remember my boss 15 years ago having an accident that totaled his old but reliable car because the trunk and read bumper were damaged. He bought the totaled car from the insurance company for $500 and just kept driving it. But it was a lot easier to get junker cars inspected back then.