It depends. I was hit one night while driving my old 1970 VW. I worked though my insurance company and asked them to fix it. The fact that my daughter was injured and I had two other kids in the car and had not filed medical claims other than for the emergency room bill, may have colored their response, but they did agree to the repair.
The repair worked well for me. I had no related problems after than and my daughter had no problems past the first couple of days.
You have to remember that there may be hidden damage, and that if something happens, you are likely to blame it on the accident and kick yourself for having it fixed.
Normally I would suggest Whitey's recommendation. Get a second opinion and then decide.