My wife, several years ago in a parking lot just backed into a vehicle and the lady said it was nothing and basically it wasn't, so I rubbed it down and you couldn't tell it. Then she wanted 200 dollars claiming about 4 or 5 other spots was the result of my wife backing into her. I gave her the 200 dollars and made her sign a paper that said that closed any further claims on it. Well, I never heard anymore, but I probably could have had problems as my paper I had her sign was not probably legal anyhow. But I didn't hear anymore from her and that was probably over 20 years ago, but it sounds like yours is probably going to have to go through insurance.
2017 Trailhawk L Plus 4 bX4,Rhino exterior,Power 8 way drivers seat, Willys in windshidel,Cold Weather Group, Comfort/Convenience Group,Trailer Tow Group, 3.2 -Liter V6, Black Hood Decal , Uconnect 8.4 , Safety Tech Group, Leather Interior Group, Ventilated/Memory seat Group,Navigation. No hole in roof.
2017 KL Latitude-4 by 4 Cherry Red, V-6, Safety/Convenience group, Cold Weather Group,which includes heated front seats--love those heated seats,