if you dont tell them, they will give you money for the cost of a NEW bumper from the dealer along with paint since they probably wont be avaliable in any color anymore and in labor.
thatlll probably run you around 500-800 depeding on the shop they get a quote at.

what you then do, is go online, spend 250 on the bumper, 100 for paint, and the rest on mods.




Every insurance policy is different, call your company and ask them what would it cost to insure your new front bumper, if you can keep your name disclosed (that way they cant note your account).