So here's what happened: I'm driving home on the narrow little road I live on, and suddenly I see two puppies belonging to a neighbor who never, ever lets her dogs run loose. So I pulled a U-turn to park, shepherded the pups to their house, and rang her doorbell to let her know. Then I hopped in the car and turned around to head home...and backed it into a ditch. It knocked the rear fender quarter-panel from its notches. So I implemented a quick duct tape repair, and will bring it into the shop tomorrow to see if any actual damage was done. Grr!