<prompt> Human: Hello PF, Firstly, juicy picture of the car.As the title says, my car was parked and the work truck backed up into it. The workers knocked on my door and say they may have accidentally backed up into it. Obviously, they did, and somewhat badly. Per the supervisor, the driver did not have someone guiding him from the back, and that is what caused the collision.The supervisor of the worker drove out to the scene of the accident, took pictures, shook hands, gave me his contact info. He told me to get 2 or 3 estimates on how much it would be to repair, and they would cut me a check. I wrote down all the information of the driver and the vehicle, including license number. One interesting thing I noticed and photographed was that the State Financial Responsibility Card was expired. They did not have insurance information on hand to give me, except for what I think is this financial responsibility card. My question is: Is going with them paying for repairs like this legitimate, or is there a better way to go about this? Are they trying to reduce liability, skirt past insurance, or what? Am I getting screwed somehow?There was no accident report since there were no injuries.  <response>: Is this your place of employment? If not, what confidence do you have that they will actually honor their agreement? You are always best off using your insurance. If they are truly uninsured, you might be stuck with an uninsured motorist deductible that you wouldnt have to pay if they are insured. If you use your insurance:Worst case: out maybe 250 for uninsured driver deductibleAverage case: they pay everythingBest case: they pay everythingIf you dont use insurance:Worst case: you get nothingAverage case: they pay most of what you need to fix it, but you have to deal with everything on your own time and schedule, and payment might take longerBest case: they pay everything 