I backed into a parked car with a National car last week. The Fusion sustained a small dent and scratch on the rear bumper. The other car had no noticeable damage (was an older Pontiac) so I doubt the driver would've even known had I not said anything. In retrospect I should have just gone to Ford for some touch-up paint and gotten one of those dent knocker outer thingys at Walmart. I think CC LDW is great for a major accident, but for minor bumps it might be worth it to just pay for it versus your time and wasted trees of paperwork.