<prompt> Human: Hi everyone. Im 21 and currently intern at a company. I was involved in my first car accident 2 weeks ago. Someone scratched my parked car in the parking lot while I was not at the site - they waited until I came by. He was an employee of the company in his 40s. He explained what happened and we decided to settle it without getting insurance involved. We agreed that I would get an estimate for the damages the next day and he would e-transfer the money. I told my parents what happened and they were glad it wasnt too serious. We thought it would be settled by the next day. But things didnt turn out as simple as we thought. The estimate came out to be about 1500. I sent a copy of the documents to him and he called me immediately. He complained it was too expensive and literally begged to just settle with 1000. I called my mechanic and luckily she said she could manage to repair it for about 1000 but we wouldnt be able to get a rental car. After a long discussion with my parents, we decided that we could just settle for 1000. I call him back to tell him our decision. And then, guess what - apparently he had a vacation planned starting that night and wouldnt be back until today. My mom told me to let him take his vacation and then we can discuss it afterwards... which brings us to today. He called us saying that 1000 is now too expensive and starts bargaining with us. He first starts at 200, then 500, then 800. I firmly told him no, we agreed on 1000. I had zero fault in the accident and it wouldnt be fair to pay out of my own pocket. And NOW he says that he refuses to pay 1000 and wants us to open insurance claims. I am now very angry at how this whole situation turned out, and frustrated at how naive I was... I seriously feel like an idiot. I didnt take any pictures of the accident site that day and there were no witnesses around. My boyfriend was with me, but he didnt witness the accident. How would opening an insurance claim turn out for my situation now, especially considering its been over 2 weeks since the accident and I have zero evidence? Im really anxious about this whole situation and would like some advice on what to do. Thank you in advance.  <response>: Get his insurance information and report it to them. They will have your car fixed, pay for your rental while your car is being repaired, and youre back to the way it was before the loss. If that doesnt work, and you have coverage for damage to your own vehicle, you can report it to your own insurance. Unfortunately you will have to pay your deductible and you may not get a rental, depending on you own insurance coverage. Your insurance will work on your behalf to recover the money you and they spent through subrogation. If they recover money from him or his insurance, you should get reimbursed for your out of pocket expenses. 