<prompt> Human: So, I just got in a small fender bender I was clearly at fault and the car that o hot had a few minor hairline cracks in the paint. The driver was nice and said that hed rather settle this without insurance companies bit Im kinda terrified because I am driving without insurance right now. What are my financial options ?  <response>: Pay him off sounds like your only recourse. Driving without insurance will get your license suspended IIRC and they were nice enough to keep insurancepolice uninvolved. If you took pictures of the damage you may be able to ask around for an estimate on repairs. 