Been a little while since I have been on the boards - finally got a new job working normal hours ( m-f 9 to 5 ) and I realized how much time I spent on the forum at the old job - haha!
Anyway - yesterday on my way home from work and I'm in the fast lane about 1 car length behind the car infront of me, doing a good 2-4 mph ( break neck speeds ). I guess a 2005 Dodge Durango wanted me to go a little faster and slammed into the back of my car doing about 15-20 mph. No injuries, I was actually laughing with the guy about it while we waited for the police - 'Could have been worse' and 'Looks like aunt sally is off the christmas list this year, have to get the cars fixed!'
His bumper was hanging off a little at the right side, dented in the middle and scratched to all h3ll. My car - until I got home and inspected it in the garage, I couldn't tell anything even happened. No joke - this car is a tank!
The extent of the damage appears to be 'pressure' cuts/cracks in the paint, mainly around the license plate area. One section has flaked off ( smaller than a half dollar in size ) and I can see about 6 or 7 spots that would flake off just by driving through an automatic car wash.
Now that the novel is over - my question. What do I do now? The guy was really cool about it - We agreed that I will go to 3 locations, get estimates for repair and then he will cut me a check or give me cash - not going to involve the insurance companies unless the damage is pretty pricey.
Visually - not much damage ( I'm thinking repainting and I'm fine ) but I'm worried about the underlying possiblity of structural damage. Do I get estimates for the 'full' repair, get it repainted and add some $ to the christmas fund or do the 'right thing' and get the work done and have him cut the company a check for the repairs?
Never been rear ended, totally clueless on what to do. Thanks in advance everyone!!