I had a guy slide into me a few weeks ago. His neon went under my cladding and busted the light I have in my hitch receiver (Tone's hitch). I looked at my VX and he didn't even touch the cladding or skid plate. Sure put a big square gash in his bumper, though - shaved through the plastic.

He was young and apologized, said his foot slipped off the brake pedal (it was pretty wet outside). He offered to pay for the damage - I told him $20 would cover the light. We both went on our merry way.

I think in some situations settling it outside of the insurance scammers is a lot easier.

-- John