<prompt> Human: Hi everyone, Long time lurker first-time poster. The story is simple; Neighbour has scratched my car with his. After making contact, he came to my apartment to nervously offer cash instead of making a claim. I have considered all options, their pros, and their cons. 1. I go through insurance, get the claim, get it fixed Dont know how much Ill get.2. Take his so far, unspecified cash payment.3. Get a quote, give him the quote, take cash, repair it myself for significantly cheaper. Ive had an afternoon on a crash course on insurance. I understand his incentive for offering cash. Ill attempt to attach a picture for reference. Basically, I just want opinions on which route to take. Do I sacrifice safety insurance for the possibility of more money cash DIY?My scratched car Update 1: Ive decided to get a few quotes from repair shops. Ive also received another interesting message from him. You can use a paint touch up yourself and keep the rest of the money yourself, from what I pay. Anyhow I am obligated to pay you or to the insurance. If you get it cheaper and keep the money, I am fine with that. Wow. hes a stand-up guy.Update 2: spent the morning, driving around getting quotes. 500-700. I let him know the price range. Still wants to do cash. I told him Id feel better if he transfered the money first before I go and get it fixed. He left with saying he can pay the 500. I want 50 extra for my trouble. Is this bad?Also, my car got broken into this morning. GPS gone. Ransacked. Am I reddit famous?Update 3: He transferred me 500 and I have recieved it. I will now try to negotiate with a shop to get a lower price to fix it. Thank you everyone for your insight and comments.  <response>: Longer lasting damage? Dude its a scratched plastic bumper thats not even cracked. Take it to the body shop, have them remove your bumper to paint it and this way you can still drive your car while they fix it. Come back when its ready and theyll put it back on in less than 20 minutes. Or order a prepainted one off of Ebay and install yourself. 