We had a similar incidence not that long ago, I was at lights and someone hit me tow bar took most his bumper fell off and we had small area on bumper that was scratched and bumpted. DH took didn't think was much when I got home ( i was a mess) anyway he took it to be assessed and they said because not a big issues we had to wait 2 months then booked in for full assessment and they had to send it away to get the muffler and tow bar checked and in the end said both needed replaced!!

DH still not convinced was actually needed but as we were not paying reality was didn't matter insurance covered it and the uninsured person who hit me is now paying off a $4500 bill.