SUCKS! Sorry man. Do this...since I'm and ins agent...call police and file a police report, call ins co and file an UNINSURED MOTORIST claim. Not sure what the NJ deductible is but you will have to pay it. Looking at the bumper it appears there is a crack so more than likely they will have to replace the bumper. I had a fender bender with scratches similar and that's what they did. It's plastic so...new bumper. Make sure they an OE bumper as if they try and scam an aftermarket bumper on you IT WILL NOT FIT! period. Took me 4 days and it looks perfect as they matched my BS paint perfectly. Happy with it but this is what you need to do. My bumper cost $769 from BMW of Silver Spring (Tischer) so they're not cheap. With some minor hood damage total was $1891.