Insurance companies have communicated and I was found 0% at fault. The joke of an appraisal was $700 but the insurance adjuster told me that they intentionally low-ball these things to encourage you to get it repaired. He knows there will be a supplement. That means getting the appraiser to the dealer and letting them negotiate - 2-3 extra days or more without my FEH in other words.

They allowed about $500 for the bumper cover and labor. Another $200 for the new muffler/tailpipe with labor. I will keep the $200 and live with a dented and scratched exhaust rather than having them cut into the exhaust.

And the other good news, the other guys insurance is renting me a 2006 Escape - not a hybrid but it will be a good reminder of how bad the V6 is on gas.

Overall, not a horrible experience - just wish it never happened. Dealership says it will probably be a week or so drop off to pick up.