I had my work truck on wet pavement and slid (actually just touched) the bumper of a brand new chevy cobalt. The plastic bumper guard on the truck (on either side of the plate) left a slight rub mark on the bottom of their rear bumper. Cost $1,000. to do a recoat of the clear protector that they had the car shot with (according to them). Smudge was the size of a nickle and could have been buffed out (never went through clear coat). I paid them the $1,000. and told them if it were mine I wouldn't have them re-shoot the bumper, but would put the cash away for when there is real damage. If you go shopping, give it a few months and you'll have larger dings than that to worry about. I did it, I paid for it. I fully understand someone wanting the new radiator rather than loosing some of the effectiveness of the radiator with a repair.