I HAVE A VW PASSAT 2001 MODEL. I WAS DRIVING MY CAR TO OFFICE. AT AROUND 8.10 AM ON 09/24/2008, A CAR COLLIDED FROM BACK WHILE I WAS WAITING AT A SIGNAL. MY BUMPER WAS DAMAGED A LITTLE AND MY FRONT PASSENGER SIDE AIR BAG COVER HAD POPPED OUT. IMMEDIATELY I CALLED MY INSURANCE AND REPORTED THE ACCIDENT EXPLAINING THE SERIES OF EVENTS. THE OTHER PARTY INVOLVED IN ACCIDENT COMPLAINED HIS ACCIDENT TO HIS INSURANCE COMPANY AND ACCEPTED HIS FAULT, AS PER WHICH THEIR INSURANCE COMPANY AGREED ON TO PAY FOR THE DAMAGES. A ESTIMATOR TOOK AN ESTIMATE AFTER VIEWING THE DAMAGED CAR. A COUPLE OF DAYS LATER THERE WAS A CHECK ISSUED ON MY NAME AND ALSO LIST OF REPAIRS TO BE DONE. THE POPPED OUT AIRBAG WAS NOT CONSIDERED A PART OF ACCIDENT BY THE ESTIMATOR. I TRIED TO CLEARLY EXPLAIN HIM SAYING THAT HIS CLIENT HAS SEEN THE POP OUT HAPPENED BECAUSE OF THE ACCIDENT AND HAS AGREED ON TO PROCEED THROUGH HIS INSURANCE. WHEN I EXPLAINED ALL THIS ESTIMATOR WAS ADAMANT THAT IT WAS NOT A PART OF ACCIDENT AND SAID IT WOULD TAKE 25-30 $ TO FIX IT AND AS PER WHICH I TOOK TO A FEW MECHANICS TO GET IT DONE AND NO ONE WAS WILLING TO TOUCH THE AIR BAG SAYING IT IS VULNERABLE AND NEEDS TO BE TAKEN TO THE DEALER. WHEN I TOOK TO THE DEALER HE WAS SAYING ITS GOING TO INCUR A HUGE COST AS IT IS AIRBAG AND THE ENTIRE DASH BOARD NEEDS TO BE REMOVED TO GET THIS THING FIXED. I HAVE NO IDEA WHAT NEEDS TO BE DONE ABOUT THIS AND NEEDED HELP IN THIS ASPECT. I HAVE ALL THE CLAIM NUMBERS AND ALSO THE REQUIRED INFOR