Thanks for all the info & comments.
I have the insurance inspector dropping by this afternoon - so we will see what he says.
After showing the bodyshop - Basically the big question is that structural piece -arrowed below- that is pushed back, cracked & distorted. Apparently this could have 'compromised the Frunk side/shape'. It also is a hard piece to repair/straighten!
For a relatively small amount of damage it was a hard hit - some very hard part of the Honda (tow bracket?) was high enough to ride over my bumper reinforcement and make contact with the arrowed piece instead of being absorbed by the bumper or body panels.
I have to say, compared to other fender-benders I have experienced, this felt like a hard whack - I was almost expecting the air bag to go off.
