At least more than 6 years ago I was involved in the exact same scenario. The van (1 year new) ahead of mine was waiting for the traffic lights (Carling and Maitland) when mine bumped into his. The damage was exactly what was described here: a small dent from the screw of the front license plate. We did not have the police report, but I said to the insurance company that the van ahead of mine was not moving. The insurance company said it was my full responsibility and they paid about $700 to get the other car fixed. The insurance company probably did me a favor because my insurance next year was not increased (in fact it decreased a little).