Lost tribe of Westwood

Well here another fine how do you do. Lindsey, driving the Stratus, had backed out of the driveway and was getting ready to pull away when the old man across the street throws his car in reverse and plows into the back of the Stratus. 3/4ths of the rear bumper panel is crushed into the trunk. Everyone is ok and he admit ts it was his fault and even the police came and did a report and agreed it was his fault. The only problem is that Michigan has this no fault insurance,so each persons own insurance company pays the bill. One month ago I reduced my insurance to PL&PD to save money. The insurance adjuster is coming today, but I pretty sure that I'm screwed. I will now have to find away to fix it up with little cash.