<prompt> Human: So last week I was in a car accident, not at fault. I drive a 2007 Saturn Ion. 4 door sedan, about 138,000 miles on it. Due to the damage done by the other driver, the body shop notes that repairs to be done to the back left rim above the wheel needs replaced and the back left door needs some work. Everything is in working condition for now, I was only planning on using the car for about 1-2 more years. But the repair costs are estimated to be about 2,000 dollars.I went to edmunds and kelley blue book, my car is estimated to have a trade in value of about 750 dollars. Perhaps even less with this damage now. My question is, if the repair bill is 2,000, and if they are offering me 900 cash to just forgive the accident and not get insurance involved, should I just take the cash?Thanks for any help  <response>: No insurance is ever going to pay for 2k in repairs on a 750 car. So, the big thing is can you prove they are at fault? If so, their insurance covers the lot. Which means you would be better going through insurance. Doubly so if there is any chance of injury. On the other hand, that 900 is going to be more than you will get from the insurance company for your car. Really, I think you should go through insurance. They dont want you to because it is not in their best interests. You stand to lose out by not informing them of the accident in any future accidents, insurance will cover everything like the costs of transport while you are without a car and as I said, injuries. 