Gah, that sucks.
I had a kid rear-end me last September that took nearly a month for their insurance to approve the claim (they have 30 days, and they used 28 :\) Finally got that repaired, which included a new rear bumper cover. Three weeks later I stop for gas and when I walk around to pop open the gas hatch, I notice a nice crease with some idiots dark red paint on the back of the rear wheel arch, down the back of the quarter panel, and onto the bumper cover that was just replaced, and scuffs down the side of the tail-light.