Side Scraped

SS66

I really cannot tell if the bumper is dented etc. I would buy some fine liquid polishing compund and rub the scuffs out by hand. The pic looks like it would be an easy clean up?

MacCool

What the cop thinks makes no difference whatsoever. He/she can only report on their observations and witness statements. What will matter to your insurance company is your report on the accident, and the other person's report. They'll then investigtate and determine who was at fault, but the only significance of that is whether they consider it to be a chargeable accident (if your fault - therefore maybe a rate increase) or a non-chargeable accident.

As to who pays in the end, you can sue her for your deductable or other expenses, but as to the actual loss, that's the insurance company's problem. They can sue her if they feel they have a case, but you don't even have to be involved.

SS66

Bingo. The cops can only report what is said to them. Insurance companies will have the final say on partial or all fault by the parties. The officer in most or all cases is not a witness to the accident.

Montez

Yup, might have a chip or 2 on the edge but will look much better. After the adjuster looks at it and takes photos of it that's what I would do, I always dread getting parts repainted if I don't have to....Especially Pearl white as it can be a tough match sometimes.