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Dont file with insurance until your last hope... the premium hike you will receive is not worth just paying for the guardrails.
I wouldn't pay this til they dragged my ass thru court to make me do it. The police report says "no damage." You and other witnesses (im sure your rescuers would testify for you) saw no damage. There is no way your little car could even begin to destroy 37 feet of guardrail without your little x90 being in about 37 pieces itself. I would make them prove you messed the guardrail up, either with photos or some kind of documentation of such.
If they say they repaired it, make them produce the old destroyed guardrail as proof, and require they give it to you if you have to pay, since you are paying for the guardrails you messed up. Trust me, if you fight this, you won't have to pay. They send a guardrail bill to every motorist that got near one in an accident. It's a serious revenue maker for them. They know that most people will submit it to insurance, and that insurance will pay it.
Send a copy of your police report with "no damage" hilited along with the bill to the address required. Go from there.
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