<prompt> Human: Good evening, Im seeking advice because Ive bumped the lower right bumper of another car while reversing out of a parking lot. No significant damage except for a small dent in the right lower bumper.At the time, I was an inexperienced 17 year old driver driving my family car with no insurance. The owner insisted they would properly handle the situation. The owner was very friendly about the situation. They convinced me to take simple pictures of the bump and nothing more. She said her insurance will handle it all and to not worry about any charges.Then, 3 months later Ive received a bill for 3,600 for the bump. For instance, one of the charges are 300 for car paint, 700 for electrical damage car sensor, radar, various lights, 850 for the whole bumper replacement, about 300 for labor, and about 1000 in insurance payout, and about 500 various charges for small panel replacement cant remember details at the moment. I can pm you the charges if that helps. Furthermore, in the persons claim, they show a picture of their left bumper completely torn off. The picture clearly shows a bolt unscrewed and ripped off the left side of the bumper. Also, they state the accident happened a day earlier. My iPhone picture shows the time, date and location of my pictures of the accident, which conflicts with her statement. Im not trying to avoid the bill, however Id like to be properly charged for the exact damages. How can I fight for correct charges? The first two images are the pictures I took at the time of the scene. Then the last picture is the picture the insurance sent me of the car with the bumper torn off. Tl;dr made a dent on the bumper of another car while backing of a parking lot. Now being charged for more damages than I inflicted. Photos of insurance conflict with my photos. Need advice on how to dispute charges. Pics first two images I took at time of incident. Last image was sent by owners insurance company.  <response>: Youre kinda in a pickle here since you were driving without insurance. For future reference, you should have worked it out without insurance. You also should have taken the car to a dealer agreed upon by both parties and looked at the initial work estimates yourself. It basically keeps both parties honest and assures you that the shop didnt add on unnecessary work.All that said, im guessing the cost of materials and any associated insurance costs are higher because its a luxury vehicle that you hit. 2,600 seems about right for a bumper replacement source: I had my front bumper replaced plus the 1k for the insurance payout. Its a little difficult to fight the last photo. Thats a case of he said she said. You do have to remember that what you see is only skin deep and that while vehicles may show little external damage, it doenst necessarily mean there isnt any internal damage. Unless you have photo evidence of the other side of the bumper that you witnessed, Im inclined to say youre SOL. 