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Re: d'oh!

>  To cut this pathetic story of my driving expertise short, my front bumper 
has been
>  pulled from the car near the bottom and the plastic "grille" inserts 
>  the fog lamps popped out. It is a mess but I might be able to pop it back 

Before you file any claims, I'd try doing this first ... as for insurance, 
with Allstate, they *don't* increase premiums for a claim against your 
comprehensive coverage.  I got caught in a cinder storm and trashed the paint 
on my 200q but they didn't increase my premiums despite having given me a 
check for $4,200 to have it repainted (which, of course, I spent on some 8x17 
wheels and an RS2 comp turbo instead).