im trying to be an honest person, so i need others' opinions as my instinct here is just to grab the money and run. i cant trust myself lol.
I was driving behind a slow small car, i could see through the back window it was two girls and there was a baby, probably why they were going a bit slow for the traffic. i was a good boy at this time and kept a good distance.
the girls approached a roundabout at a slow to reasonable rate and then they seemed to panic a little bit, breaking and rolling and finally deciding to go for it. id left space, like a good little lad, so i could see id make it too if i was lucky, but then a little chav-mobile came round at pace meaning i had to brake..,not very suddenly...but pretty sharp.
Then i heard a loud thud and i shot forward a bit, someone crashed into the back of my car. The woman involved was very nice and apologetic and said it was her first accident. I looked at our cars and saw the damage was pretty damn small. My boot wouldnt close right and there was a bit of a dent. nothing broken off.
So i have her details and her admission of liability. I stopped off at at a panel beater for all of 10 minutes (if that long). He took the car in, asked what happened, inspected it, i heard a few loud bangs and he called me back out. He explained some of the rear structure had been pushed in a bit, showed me a little dent inside where the spare wheel cover should lift up, it gives a little trouble to lift it but nothing difficult, theres a bit of a warp in the bumper on close examination. very superficial really. the boot now closes fine - no charge.
Then the mechanic clamly explained to me, in the way that only tradesmen can that the cost would be ...oh.... a mere two grand.... cause im such a nice guy. All well and good except that thats about 80% of the price of the car ...lol.
so now im thinking .... go to the womans insurance company, insurance industry has incorrectly ruled against me in the past, with my 2 grand estimate, pick up cheque and then lmao as i drive away in my 2002 car which i would probably never sell on anyway. A mere dent and 2 grand in the hand, plus no official or intended dishonesty on my part.
2 grand practically free seems disproportionate though, plus that nice womans rate might go up, i did brake a bit unusually, and what if she offers to pay cash outside of the insurance...how would i take her money from her as i know i can live with the minor damage just fine ....although id rather not have the little damage and the mechanic does say 2 grand.
so lol my way to insurance company, (sweet honest guys that they are) en route to the bank? her rate will still probably go up.
alternatively what about walking up to this nice woman and giving her an estimate for 2 grand from my local registered panel beaters for damage you almost have to search for.
thats about it i guess. what to do?