You could probably fix that yourself with a painted bumper cover. I replaced a rear bumper cover on my old Volvo C30. A few clips and screws...all of a half hour and no outlandish labor costs. Truly easy. Check out a Ford parts picture. See what you need. If the fender is ok and all you need is the cover, get a few estimates on what a replacement painted cover costs and labor, get the check, get the parts and do it yourself and pocket the rest. At least look into it. My 2 cents.
"...meet me in the corner..."