Insurance Co. doesn't really care which bumper you put on your vehicle, however if the bumper you put on is more expensive than the one that your vehicle calls for you'll need to pay the difference. Did they use OE bumper cover of a/m cover? And did they figure the impact absorber? What about the Bumper Re-inforcement? If they figured all 3 that should cover the cost of dave's bumper. Just make sure that the body shop you use knows that you're going to use a different bumper.

'02 Sportage 1-3/8" body lift 4" suspension lift 235/75-15's on stock rims