The Bumpers Have Spoken

While driving to work yesterday (during rush hour traffic, on Sunset Blvd, in the pouring rain) the moron in front of me decided she would come to a complete stop at an intersection during a green light. So, I slammed on my brakes and hydroplaned right into her bumper. I jumped out of the car to assess the damage, and she stepped out of her car crying. I assured her everything was okay. She had no damage to her SUV, but unfortunately, my bumper was dislocated and my front license plate was bent. Not to mention various scuffs and cracks. She immediately apologized for stopping during a green light (I should mention, she stepped out of her car fiddling with her cell phone). I was very warm and friendly with her, so we decided we didn't need to call the police and we could be on our way. So, I asked her if she was alright and she said, "Yeah, just a little whiplash"! Folks, I couldn't have been going more than 5 or 6 mph, and she has whiplash!?! On top of that, I called my insurance company and they said since there's not physical evidence of her stopping in a green light, she can't be held negligible. But, because my bumper took damage I am being held negligible for running into her.