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If the damage isn’t bad and the other person is willing see if you can just pay for it out of pocket. I’ve done that before.
Enthusiast
Might depend on how many panels they need to repaint, and also make and model to some degree.
Only the back bumper panel of the truck is scraped up but would still need to be replaced which is about $1500 just for the part alone. Owner of the truck wants to go through insurance rather than get an estimate on his own. And then my car is pretty damaged on the one back side corner
Get it all fixed through insurance. You will probably find the increase isn’t that bad
You need to realise that actions have consequences