[lbls1]

I've been there. Its not a nice feeling. You and your insurance carrier should hold the offending driver at fault; There is no good excuse for a rear end collision unless someone pushes you into another car.

Good luck.

Edit: You are correct; I would never drive my ace cars on a daily basis. That's what beaters are for. Some beaters may be nice, but the prime reason for having a DD is expendability; You can replace it if things go wrong.