So about 2 weeks ago I was driving home on the highway, right after a snow storm. Road was covered in snow and ice. I was going about 40 mph, in the left lane, on a two lane highway. A little two wheel drive sedan entered the highway in the right lane, and basically switched lanes right infront of me going very slow (i'd say around 10-15 mph). I downshifted, and braked as lightly as I could to try to avoid colliding with the vehicle, and in my attempt to slow down, I started to fish-tail, slightly, to the point where my rear end hit a snowbank in the road, and I started to spin out into the center divider. The rear end of my truck took the initial impact on my all pro bumper (there's a picture of it below). After my rear end hit I did a 180 and my front end hit the divider. Luckily, there was no one behind, as they would have plowed right into me. Somehow I regained control of the vehicle, after the two impacts, I pulled over, and quickly inspected the vehicle. I filed a police report and put a claim into my insurance.
Most of the damage was done to the front end. The damage in the rear is a scrape on my bumper, and a couple dings on the body from the bumper. I don't care about the damage to the rear-end.
My insurance sent an adjuster out today, and his estimate was about $2,250. I originally planned on buying an offroad bumper (probably addicted offroad) and doing the work myself, but after speaking with my insurance they are finding me at fault since the other car did not stop. I really don't want a point on my record, so I'm thinking of withdrawing my claim and paying for this out of pocket...