First, mine is "warped" the exact same as yours. I have seen this "droop" in the bumper in the same place on many other Stangs as well.
Second, I was in a rear-end wreck a couple years ago. Some 16 year old kid rear-ended me - basically he scracthed up my bumper pretty good. We got a police report and everything. Insurance covered everything. I simply took my Mustang to my local Ford dealer and they put on a new bumper - looked great for about a year and then the dreaded "droop" happened again. I think it's just a typical issue on many Stang's on this period.
Get tough with the insurance company and get your Stang fixed right.
Good luck, E
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1991 5.0 LX Coupe - 40,750 miles
331 cu. in. / Tremec 3550 / BFG Drag Radials
12.22 @ 114.31 mph - w/1.89 60'
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