<prompt> Human: I was rear-ended yesterday. No injuries and only minor damage to my car. Ive opened a claim with my insurance, and have an appointment with a body shop.The other party texted me today requesting that I allow her to pay me the cost of repair directly instead of going through insurance, so she can avoid having her rates go up.Im reluctant to do this. I would consider it for a trusted friend or family member, but I feel like doing it for a stranger exposes me to more risk than Im comfortable with.Having already started the claim, do I even still have this option?What are the potential pitfalls of doing this?If she fails to pay, can I fall back on the formal insurance claim process?Is there any advantage to me if I agree to this?Edit 2: Thanks again to everyone who replied. I declined the other drivers request, and Im letting the professionals do what they do. My car is at the body shop, and Im driving a rental paid for by insurance.Edit: Thanks for all the responses. Youve confirmed my concerns. Yes, her insurance appeared to be current. I suspect its not her first accident, and shes trying to avoid having her rates go up.And yes, I would certainly appreciate it if someone did this for me, but Ive never had an at fault accident. Im not a perfect driver, but I try to own my mistakes and learn from them. I regard all accidents as preventable, and Im a bit judgmental of someone who cant do something as simple as stopping at a red light without hitting the car in front of them. Im inclined to let her deal with the financial consequences of her screwup.  <response>: There is no advantage to you in doing this. 