Someone dented my front bumper very lightly and cracked my signal lens on my e46 and the insurance payout was $3,500...
I don't know how precise CARFAX is, but "rear bumper damage" may be a general term for rear end damage -- could've messed with a bunch of stuff including exhaust, tail lights, trunk, parking sensors if it has them...
I can't speak specifically for the S4, but all I can say is that a body shop can rack up a bill like it's nothing. If my light collision was valued at $3,500, I can only imagine the parts and paint for an equally light collision on a new S4 being a couple times that.
I'd take it for a PPI, and see what they say.
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