This. A few years ago, DH scraped another car in a very tight parking garage. We didn't think to take pics, but we definitely got out and inspected the damage (a few scrapes to side door of their car and ours). We left a note with our name and tel # on the other car's windshield. DH originally didn't want to go through our insurance for such a minor thing, thinking our rate would go up. When the owner of the other car called, DH offered him $300 to just be done with it. The guy said he wanted to get an estimate first. He called DH back and said it was going to be $600 for repairs. DH felt that was really high for the repair and said that maybe it would be best to go through the inisurance co after all. The other guy started backpedalling a little, which only made DH more sure that the insurance co was the way to go. The insurance took care of it (and it was nowhere near $600) and our rate did not go up.