Sumayad

[watusi]

nabuhay itong thread

Sorry to hear about that incident. Never trust the judgment of parking boys/guards.

Pwede ko ba i claim sa insurance? Or have it repaired on my own?

If the cost of repair will be higher than the insurance company's participation fee, go with insurance. if the bumper repair will cost lower than the participation fee, repair it on your own.

Pag pa repair ko na, kailangan ba buong bumper? o pwede yung ilalim lang?

IMHO, since the damage is on the lower area, you may opt to repair only the lower part. Check out the "How to Apply Touch Up Paint" in this site - http://carpolisherbuffer.net/paint-correction-guide/