<prompt> Human: The two estimates came to 650 and 702. My current payment for car insurance is 630 every six months 17 yo male. That is with no recent accidents or tickets. Issue here is I cant afford the full price; I offered to pay a large majority but they didnt really want to accept that. Eventually I got them to agree but after being blackmailed with police being called and all that I dont know how much I can trust that they wont make a claim or bring me to court stating that I never paid and end up paying over 1000 dollars in the end. I doubt I have any chance in court I rear ended her even though no police ever came to the scene. There were no witnesses either. I dont want to be a rat that tries to make things hard or avoid paying but I simply cant afford it and I dont know how much my insurance would go up.EDIT: Live in MN and I have American Family.  <response>: Calling the police isnt blackmail, its their right. You hit their car, now pay the damages or go through insurance. Best lesson to learn at 17: take some responsibility 