I'm assuming they're filing a claim on the other guy's insurance, considering they know exactly who it is, therefore her insurance rate wouldn't be affected and it would just mean she was half-assing her car. Anyone that can make that bumper look new properly, will charge almost enough labor to get a new bumper. Not to mention it looks like the mounting points on the bumper are ripped.
'92 C2500 6.5 Turbo Diesel | '96 240sx