Update-
Bottom line is $1200+ to fix.
New fender, rocker molding, rotor, repair scuffed up corner of bumper cover. Paint and blend to hood.
Interesting that insurance co. says that they don't pay for the 'cause', only for the results - so they are not paying $8 to replace the loose lug nuts that were judged to be the cause

So it'll be $500 out of pocket for the deductible - could have been worse.
AL