considering how incompetent 99% of body and paint shops are, I'll take my chances with my ability to avoid bending metal EVEN if it is someone else's fault. I dont care who is paying the repair bills, the incompetency in most shops is as bad a nightmare as the wreck itself. Worse comes to worse, you wreck like this guy did and it is STILL her fault so you are in no worse a position than if you just let her ram into you. Did the right thing, only thing I would have done differently would be to get her plate #, then take some of the insurance money to hire a russian hitman from vegas to explain to her her error.