<prompt> Human: I live in a fairly small apartment complex. The other night some girl Ive never seen before knocked on my door to tell me she backed into my car, causing scratches and taking some paint off, and damaging one of my front lights. I thanked her for telling me and am trying to figure out how to proceed. My insurance estimates approximately 1,300 minus 500 deductible to fix it all, but of course they will go after the responsible partys insurance to retrieve the loss. Going off-insurance will likely cost more than that. I am reluctant to have the insurance company handle it because we live in a small complex and she obviously knows where I live, plus she was nice enough to tell me when I didnt even realize the scratches were there. Does anyone have any experience with this?  <response>: You could ask her whether shed like to settle without involving the insurance or if shed prefer you to go through the insurance. 