Crash, Boom, Bang!

I had to proctor the PSATs at school on Saturday (before Cy's party). As I was leaving school, and heading home, a woman and I literally backed our cars right into each other! I was so upset with myself. What are the odds that we BOTH would not see each other?! Grrr....Luckily, we were both going really slowly but I still have a big dent in the left rear panel, right above the bumper and behind the wheel-well. I need to get it appraised for the work done but I do know that we will be responsible for the first $500 as per our deductible with USAA. Makes me just not want to do it!