<prompt> Human: I backed into another car a couple weeks ago while we were both trying to get out of a parking lot. I just received a call that his wheel needs to be replaced and hell need an alignment total 415 us under the 500 deductible. How should I pay him or should I let insurance handle it to be safe?Help keep me out of a shady situation.  <response>: If you do this be sure to get paperwork, signed etc. You want a release of liability as others have mentioned here. What this means, essentially, is that once you pay X dollars you are released of liability and future dollars cant be sought. I dont give a shit if you feel like you can do a handshake deal or whatever. Thats never a good idea. Always get paperwork.That being said, alternatively, involving your insurance is not automatically going to jack up your rates. Cost of a claim, percentage of liability, past record, accident forgiveness etc. all play a factor among many other things.Lastly, was the other car parked? Were they backing up as well? What was the situation? Based on what you described its not even clear that youre solely at fault.Edit: Source: am claims adjuster. 