I'll give you a short story about an accident I was involved in.
I was coming down QB road one day, lady goes to make a left hand turn, the two or 3 cars in front of me see this & move to the right lane, I didn't realize it till the last second & swearved to the right hand lane & clipped her right rear tail light cracking it(usually about $100 for a new taillight).
So I tell her my insurance co is about 100 feet away and we can go in there & call the police(this was before cell phones were available to the masses) or I could give her what I had on me ~$120 and call it even. My car had no damage as the drivers mirror folded in so no damage was done to it.
She wanted to go through the police, she gets a ticket for her not changing her address on her license within the alloted time period and I get a careless ticket.
Anyways I fought my ticket & won & she had to pay her ticket. In the end my insurance didn't go up and I didn't have to pay a dime and she was the only one that really had to pay anything
good times...