<prompt> Human: Hey guys, yesterday I rear ended a car, I told the owner that I dont have insurance so Im willing to pay the repair costs. He calls saying he needs 1500 but thats way too much, I cant afford it all I can pay is 1000 and thats by borrowing money from my siblings. Im not sure I can convince him with 1000 cuz he was saying 1500 is as low as he can ask me for and hell need to put some money over that to really repair the car, although his car doesnt look as damaged as my car hes asking for way more than Ill need to repair mine, this guy worships his Lexus. I dont know shit about cars. Help.. what are my options?Update: Thanks everyone for your input, I gave him 1300 and told him thats all I have, he wasnt that happy about it but were cool now. Next month Ill start repaying to my siblings 300 a month, thank god for having them. Regarding why I didnt have insurance in the first place, honestly I was just being lazy.. I dont know about the US but here in my country its fairly affordable if you go for the cheaper option. I dont know that much about insurance, I need to educate myself. Thanks a lot again.  <response>: Have him show you estimates. However, body work is expensive, hes probably telling the truth. 