I haven't called the insurance folk but I do have photos and if they don't require an inspection (it's fixed now), I suppose I could get some coverage from it. I've not filed a claim in many years (knock wood), so I'm wondering if they would do it after the fact. I've got a busted tire and a busted control arm to show for it.
I'm inclined to call thanks to the advice on the board, but I'd just tell them my story and see what they say.
BTW, the tow cost me a CHUNK. I do have AAA plus, but the local po-po wanted that car moved ASAP, so I wasn't arguing when they called the tow guys. Cost of the fender replacement and control arm was about $1150. I feel like I got off cheap, though my mom was thinking it would be less.
Chuck