Ouch. I hate the idea of someone who has “done the right thing” getting penalized. I’ve been on the receiving end of this equation and I will tell you, I was happy that someone was forthcoming and honest enough to acknowledge the mishap…. in fact, so much so, I recognized that the infraction was what it was (my bumper too had some dings) and never even called the person. I realize things don’t always work out that way. I do still harbor the hope that honesty is the best policy; if you get contacted, how about just starting with what you have posted here… “My car is pretty old, I have super basic insurance” – what can we work out together?” Do you know a good mechanic or can you get some references? Hope it works out.