Thanks for the info and time to reply! I have pretty much done what most of you said. She admitted fault to her insurance and it was easy getting them to cut the check, and to the amount I expected as I took it to one of their preferred shops for a quote. I got a lot since she went under my rear end and dented up the spare tire pan. I have bought all the parts, new and with paint job, it should be about $800 for me to do this, plus a weekend day or two under the car, should be fun.
Only question I still have is this, how do I go about removing the old bumper cover and reattaching the new one? There is some sort of 'snap' on attachment on the left and right side that hold it on. Just not sure if its a special tool or just a 'lift and snap off' kind of thing.