I got rear ended and it bent the right frame rail between the rear tire and the back end. It wrinkled the right quarter panel and pushed it down about 2 inches. The body shop straightened the rail and made it look like new. You could not tell it was ever hit. That was back in 1996. The damage was only $3500 then, I have no idea how much it would cost to repair today. With such low mileage, I hope you have a stated value policy. I have mine insured for $20K.