Dealer says headlamp failure and I am wondering if caused by auto accident. on 2003 Jaguar S-Type

The headlamp assembly needs replacing. Dealer says not a bulb or connection but the entire assembly needs replacing. Could that be from rear end auto accident?

Asked by for the 2003 Jaguar S-Type
agree with #1 call your ins co
1 more answer
Wwhhaatt , well i guess there right , just saw its a money pit jag,
I dont know why people buy these...