<prompt> Human: So I know this might not fit perfectly in this sub, but I am not sure where else to go and it does kinda fit. I got in a car accident last week my fault. I thought it would be most frugal to handle the accident outside of insurance minor repairs. The other party got an estimate for the repairs and the amount sounds reasonable to me. Before exchange of funds though I figured that Id to document the exchange and receive testimony from the other party that once the exchange takes place that I am no longer responsible for any future costs related to the accident.Is there a form document I can find online for this? Is it worth not having my insurance dinged to handle this myself? I know sometimes people can be too frugal. Is this one of those times?  <response>: You are in a catch-22. You want a signed letter that says you are not legally responsible after the money, but by doing that you are committing insurance fraud. 