I have hit a few cars, but i dont think I caused any major damage... at least, I dont stop to look. I did try and squeeze by someones pickup truck on crowded South St. one day and knocked off his mirror, i stopped and the guys were more concerned about my shoulder (which was not hurt) than their mirror. I apologized and kept on going. (their plates were from out of state... so they were probably just visiting the city)

If someone is driving like an idiot, or not signaling and I run into them or purposely smash their car with my U lock, I keep on riding and dont feel bad... if its my fault 100% then I will stay and take the blame.

With the explorer situation, I probably would have kept riding... but who knows. I hope he doesnt try and charge you any major money.