I’m with the insurance company on this one.  I’d also send a copy of the picture, police report, if any, and the lawsuit to the local District Attorney to ask them if they’d like to investigate these folks.

there was no police report.  the sherriff came by to see what the holdup was when she wouldn’t move her car from the bottom of the offramp, where this “incident” took place --stopped at the light at the bottom of the offramp--and didn’t do anything except give us a dual form for us both to fill out, which we did, which was when i took the pictures.  there was no citation or anything.

but i’m not worried, or anything…

You can only live in the shower if you promise not to spill anything there that’d mess up my grout!

The good news (for you) is the insurance companies, which used to cough up $5K to $20K for this stupid shit now have a zero tolerance policy.  Your insurance company will—strangely really—be your friend and your best advocate and everything will be all right.

no, i won’t have any pigment, they will have taken that with the house.

the insurance lady is very nice and warned me about this a couple of months ago, so i wouldn’t freak out when i got it, or i’d really be insane, REALLY, i’d be dead by now.  (I just got this half an hour ago, and where do i go first?  where else, ‘mouse:)

isn’t there a possibility is that the insurance company will continue to say no and so they will come after me instead?  that’s what this disfigurement thing seems to be, in excess of our standard personal injury amounts, which i think is about $15,000.  not that i have anything, they won’t get anything from me, but they could force me into bankruptcy, i suppose.  is that how it works?  why would they want ot do that?

e, has anyone told you you’re cute when you’re frantic?  [ducking]

The simple answer to all your worries is, “no.” No.  No.  No.

I’ll see if I can spell it out without undue words (all this subject to minor local variations, so confirm it with local counsel in your state):
1) They sue you—legally, they must name you, not your insurance co.
2) You turn the case over to insurance, who must defend you and provide “your” lawyer.
3) The insurance co. either negotiates a settlement with them right away (rare nowadays, esp. since you have those great pics) or insuranceco will get their medical records, pictures of the car, etc. 
4) If they smashed the car backward several times into a brick wall or tree (some people try this), they’re, what’s the legal term… screwed, based on your pics.
5) If they didn’t, they’ve got some serious ‘splainin’ to do to the insuranceco who will take their deposition, review medical records and even send ‘em to the insuranco’s own expert doctor.
6) Insuranceco will prepare for a trial, potentially including accident reconstruction experts and medical experts, etc. if they’re really grumpy at these folks.
7) At trial they’d have to prove to a jury of your peers that damages are $XXX, and in excess of insurance limits before they can approach you for even one penny.

It’s insuranceco’s job to make this case go away for less than policy limits.  Therefore, if there’s any real danger to you, you will hear about it and the insurance company will be jumping to hand over money.

It’ll be sad if the insurance co. gives them even a dollar in go-away money, but practically, they may choose to do so instead of dealing with the cost of a trial.  However, if they do, it won’t affect you since it’ll mean the case is settled well below your policy limits.  In CA, nowadays, barring some strange event like a miscarriage directly and provabley triggered by the accident, the insurance co’s probably would not pay a penny over the $700 bumper replacement cost, if even that, given your pics.

If your insurance co tells you to worry, then worry a little.  Until then, this is nothing more than a joke and a funny story to tell people about the time the scammers tried to sue you for “scarring” when you couldn’t even find a scar on their bumper.

you still there?  my insurance company just called me and wanted to know if I was onboard for fighting this ridiculously bogus thing.  “yes,” she squeaked timorously....

Side Note:  Is leaving hair on the soap cause for shower eviction?  Just checking.  I may be in the market for a new place, myself.

It sounds to me like this will all work out just fine for you, e.

no, the legal advice didn’t work out, but the psychiatric value was immense. kept me sane.  in the end they got ten grand out of my insurance company.  for nothing.