Well, yesterday some idiot hit my car yesterday when I was parked at one of 2 stores and left. Left a nice deep gouge and some white paint on my back bumper and took a little notch out of my exhaust pipe. I called and reported it to the insurance co and am waiting for the adjuster to call. Here's what I was wondering, do I have to have the insurance check sent to an auto body shop or can I have it sent to me? I was thinking maybe I could just get a bumper from bumpers.com and have it painted and install myself. Also, will they pay to replace the mustang insert letters and will they want to pay for stock pipe or will they pay to replace the flowmaster pipe that was damaged? This would be NJ insurance. Thanks if anybody knows... Oh, and on a happier note, my husband decided to give me a new hood for Easter! I'm in the process of deciding which (4 inch cowl, just not sure if carbonfiber or fiberglass, and from where).