<prompt> Human: Guy hit my parked car. The damage is about 3.5 to 4 K. He does not want to go to his insurance not sure if he has insurance. He wants to pay in cash installments over few months. I am located in Colorado, USA.So if I let the the guy pay in installments, how do I ensure i get completely paid for my damage ? Any alternative suggestions you might have will be welcome.PM me is you want more details.  <response>: rlegaladviceDont take someones cash for a car accident, this is never a good thing.Call your insurance company and let them know about the accident, get his insurance information if he has it and settle this right. If he doesnt have insurance thats his fault for driving uninsured, and he can pay the consequences. If this is the case, and you have any decent insurance plan, your ins. company will cover the expenses and handle the guy on their terms, without you being involved.If you let this guy pay you in cash, youre just asking to get screwed over or otherwise create a huge headache for yourself. Cover your ass and get insurance involved, now!Edit: your state laws probably mandate you report this accident to the police anyway, CA vehicle code states 700 in damage or more must be reported for vehicle history purposes, legal consequences if you fail to do so. So even if you take the cash dont! at least go through due process of reporting this incident so you dont face ramifications yourself. 