<prompt> Human: Hi PF. Last week I was rear-ended in my one year old Honda Civic while waiting to turn right at an intersection. Damage wasnt horrible but there is an imprint of this ladys license plate on the rear bumper, including two punctures from the screws that hold the plate on. She begged me not to go through insurance and to just take cash. We exchanged information and I went to the police station, but the police person said it was not reportable.I went to two places to get quotes for fixing the bumper. One was 960 and the other was 660. I called the lady who hit me and told her the 660 price. She freaked out and said she never expected me to even call her. She passed me off to her brother and I never spoke to her again.I want to get my car fixed because it is so new, and I want to go to the 660 place because I liked them and they seemed reasonable. Also its walkable from my place so I dont need to rent a car. I told the brother I thought he had an obligation to make things right but Im not forcing them to pay me, and if he chooses not to, thats his decision. He got a quote of his own from a different place for 560 they never saw the actual damage and we agreed he would pay me that much, which he did. We exchanged emails saying that we agreed 560 was acceptable and the matter was closed.Today I got an email saying he got a more official quote for 450 and wants the difference back. Is it wrong of me to think thats out of line, or should I give it back to him?TL;DR Was paid 560 after being rear-ended. Later party said he wanted some of the money back. Should I give it back?EDIT: Thanks everyone for your advice. There was some really sound stuff that I will remember for the future. Note that the question was not should I go through insurance. In Ontario where I am, you are not required to notify insurance if the damage is less than 1000. You are also not required to contact the police this is why the police guy said its not reportable. Its true that I could be missing damage underneath the bumper. Time will tell when I get the car back in a few days. I may be required to report if there is something else I didnt see. If even the insurance company doesnt require me to report it, then I dont think it should be up to me to potentially cost this person 1000s.Honestly, Id rather pay the 660 or whatever it turns out to be myself than take it from someone who desperately needs it. Its definitely true they could be trying to take advantage of me, but it also might be that this is a huge problem for them. I gave that a lot of thought and also checked in with you guys!. If that makes me a moron pussy etc., I guess I am okay with that. Clearly 110 is going to make a difference to this person, whereas its not that big of a deal to me. I did not give any back, and will reevaluate when I get the final bill.Assistant: I just was rear ended in a similar fashion two weeks ago. Although, I was waiting to turn left.The damage was a small circular imprint about 38 wide. I spoke with the idiot who hit me who was apologetic and offered to cover the repair of my car. I looked at my car, then looked at his and realized that in terms of personal finances his car was old, beat to crap and with his clothing you could tell he wasnt financially ahead, I was much better off than he was. I told him we will just part ways since the damage is nothing to worry about, although it hurt me to do so because my gorgeous car now had a mark.He was thankful, we exchanged information and we went separate ways. Last Friday I got a letter from him, again apologizing for the incident and with a 100 which he explained was not enough to cover the repair of my rear bumper, but it was all he could afford and asked I accept it for the good faith I showed in not reporting the damage and allowing him off.I appreciated this, and I donated that 100 to charity.Now, in your case OP. Report the incident to your insurance company, the person who hit you is a piece of shit and should get wrecked by the insurance companies, especially after taking a situation of good will and trying to leverage it in their favor.Im Canadian too, I know exactly how bad insurance rates are and how a small incident can financially hurt them, let it happen!Human: Thanks for your story. That was a very kind thing of you to do. I think I learned a lesson here. For the price of 100 hopefully not more..., its not too bad.  <response>: You say like like its over and theres nothing you can do about it. Seriously go file a claim with your insurance. It takes very little time to do. There is literally 0 downside and very little effort involved. 