Dang it I knew I should have waited till after supper then venture out - like I normally do!!! No I had to go after work and it was getting dark and traffic steady AND a panhandler distracted me enough to miss the brake lights ahead. Thank goodness traffic was heavy and slow as I was barely doing 20-30 km/hr when I tried to brake but not soon enough or time enough to even switch to neutral to disengage the drive momentum. And it was on the incline just past Osborne St so I basically hit their bottom bumper.
Naturally it was a BRAND NEW van and I followed it around the corner to exchange info. The woman driving said this was the second time this week for her and when we both bent to check her vehicle basically there were rub marks on her rubbery bumper and well my car all the damage I had was missing one of the rubber strips off one of my sticking out parts. Then the guy comes around and he says well what about this too and I looked at the dent above and said that was too high for my vehicle but he promptly said it is so as their vehicle was just out of the shop this week and you did it - well I backed off and said OK let's exchange info and you'll have to go get it checked out - I just wanted out of there before he got angry (he'd already told the woman that maybe she shouldn't be driving anymore). Needless to say I was slightly upset but definitely no injuries at that speed, thank goodness!
Then my mechanic did say I should phone in my report and if anything comes from them I will be contacted. So that's what I did and I mentioned the panhandler who distracted me along with the question as to whether my car did that other damage the guy pointed out. If I did so be it, if not I don't want it on my record. Even the agent said my record was clean so not much will probably happen and depending on their claim amount I could even buy back the amount and then have no marks on my license at all - whatever that means. So now I sit and wait to hear back from MPIC, at least he gave me a claim number and my agent's name and phone number.