My .02$ (in the extreme)
Body parts are outrageous!!!.....Any accident barely over fender bender that only hurts the cladding: and I am willing to bet they total the car!....
It’s like this; if you get hit hard enough to damage a rear fender to the point it must be replaced? Consider you truck history..(Especially) if you live in New Jersey. The entire rear of the VX is unibody design and requires massive reconstruction to fix even the most minor of rear 1/4 panel damage....unless you are handy with the work yourself.
6 different insurance companies basically totaled my truck with no frame damage. Get hit in the front and u should be fine.
The only real people who know anything about these trucks is the people on this forum...(god bless them all)....most repair shops are still clueless to the truck and some don't even wish to do normal repairs on it.
Spend lots of time picking brains on this site...or the excitement of the truck will wear off real fast if something goes wrong and you are unprepared.
all that said; it is one of the coolest trucks you could ever get if it goes well for you.