As much as I'd like that then I'd be out of pocket to re-gear the rear and unfortunatly that out of the question at this point in time
Not really sure how all this works anyhow..been paying insurance for 20 years and never needed to use it untill now
Its pretty simple in MI, (used to work up there, been in the industry for 10 years+) Just call your ins. co. and turn in a claim. Pending on which way you want to do it/what ins. company you have, they'll either send an adjuster out to look at and write the initial estimate or persuade you to send it to a DRP/direct repair shop, where the shop will write it.
If you don't really have any extra $$ right now I'd just send it to a shop and let them handle it. Taking a payout as mentioned before is the route to take if you want to do the repair yourself or upgrade or whatever. Only problem is if you take a payout and do the repair yourself you may be up shits creek if theres some damage the adjuster missed initially, which is possible.
07 X..3.5 Rock Krawler mid arm, teraflex steering stabilizer, JKS quick discos, smittibilt rocker guards, poison spyder BFH front and rear, XRC8 winch, 37" pitbull rockers on TWF's, CB, Rock lights, KC Stinger lights, Hella pillar lights, High Lift on hood, Cut flares, 3 amps, polk db front, Kicker type R rears, 1 12" P3, Viper throttle, Yukon 5.13's, Pure jeep truss/gussets, home brew switch panel/corner armor etc etc