Got Rearended. What to do?

Well i was on my way to the house to work on my wagon and stopped at a stop light a 98 ranger rearended me. we agreed to pull over in a neighborhood to swap info and i pulled over and as he was turning he plowed into a cavilear. anyways, my durango isnt too bad. just wanted to get some opinions on what to do with it. i was wanting to two tone it with silver from just below the window line up. its black so i was thinkin it would look clean. i work at a body shop so i could pull it off and not pay a dime. or should i fix it and take the check and put it towards wheels and bags for the wagon. or should i take the money and pay off my girls engagement ring?