I was stopped at a light in Traffic heading home from work yesterday on my 02 Electra with both feet on the ground. I was in a pack of cars and surrounded when I felt a sudden nudge forward, and heard a "Crunch!" It was a Cadillac Escilade on top of my rear fender. Did not down the bike, but pinned me untill I let the clutch out to pull away. We pulled into the gas station and exchanged insurance info (Michigan is a no-fault state) I called My insurance co. (Progres.) to ask if I needed to do anything else and they said no, and offered to start a claim. I said I'd call back at a better time. There was no visible damage to the plasitc Escilade bumper, but the rear of my Electra is "Tweaked" a little. At first glance, you can't see anything wromg, but looking straight down, you can see the turn signels are 1/2 inch away from the bag on the RH side, and 2 inches away from the bag on the LH side.The LH pipe is pushed in about 1.5 inches more than the RH side is now, and LH bag is cracked in the bottom inside (Prob from exhaust bracket under getting punched) - not visible untill I removed all my gear to inspect. Luckily nobody was hurt (me), and if this is my one accident to endure, then I'm lucky. No cops called. No police report made. I rode the bike home with no noticable differences in riding / performance, and parked it for now. I will call my local Agent for some advice, (a family friend that carriers Progres.) and see what he says, but I want to get a little sense of what to expect form anyone out there who has maybe had a similar unfortunate situation. I don't want a failure in the making waiting for me, so I'm worried the pipe being pushed in has somehow made its way to the cylinder heads / mounts for a possible future failure? also I don't know what is bent in the rear, the turn signal bracket or the fender itself. The bike was previously custom painted a burnt orange metalic, and is not a standard HD color, so I know with the bag and possibly rear fender needing replacement, this will up the estimate for a complete repair I am a little worried that once the bike repair estimate is made, I might be offered a check for less than I owe on the bike loan... Anybody offer some advice in this situation?