Aargh. I just had a minor fender bender in the Mustang today. An idiot pulled out in front of me suddenly (Korean guy from the name.. not implying that all Koreans are idiots.. and despite how tempting it is I shouldn't stereotype oriental drivers) and I couldn't avoid hitting him. Fortunately I wasn't going too fast, not enough to hurt anyone, but I scratched up the bumper and cracked the side marker light and headlight on the passenger side. The guy admitted it was his fault, and said he wanted to just pay for fixing it, rather than getting the insurance companies involved. I got his information, but haven't yet reported it to the insurance company. The nice guy in me doesn't care if he pays to fix the damage, so long as it gets fixed, but the cynic in me is worried that this time tomorrow he's going to change his story and I'm going to get into a hassle with all this. That might happen whether I involve the insurance companies anyway, but I'm wondering if I should give him the benefit of the doubt, or not? What would you do?