<prompt> Human: According to esurances what-if calculator available for its members, my estimated 6-month premium would increase by 1,000 if I was found-at-fault and the cost of the damages is over 1,000. This would be my 2nd found-at-fault incident if I were to file a claim. Would it be a smart idea if settle with the cab company using my own money?To those who are curious, heres a pic of the damage just the white scratch on the bumper, the dark spot has always been there to my knowledge. My lil sister opened the door without her knowing that there was a cab going on her side at less than 5mph. The tip of my door suffered the damage. EDIT: Im in California if that matters.  <response>: Be careful, most PAP personal auto policy contracts have exclusions for when an insured attempts to offer a settlement without their permission. You might think, but Ive already paid for the damage, what difference does it make? When the taxi company sends you a 2500 bill for the loss of use of their cab, not being able to make money for them while being repaired, then you might be stranded and it ends up costing much more than you realized. So if you both agree to settle for repair costs make sure to get a basic pd release from them, such as 