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I was involved in a minor accident that was my fault. The damage isn’t severe, so the other driver seems ok with me paying for the repairs out of pocket. I’m currently waiting for an estimate. I wanted to be transparent about this and called my insurance agent and was told that it’s best to avoid a claim if possible. I’m sure they don’t want to pay out, and at the same time I would also like to avoid a premium increase. I read that the average increase is 64% after a claim. Any advice on how to proceed and minimize any potential issues? Should I ask for a copy of the estimate and/or repair bill, have some sort of signed agreement? How should I handle the payment? Pay the shop directly or to the car owner? Would Venmo or Zelle be ok or check only? Apologies for all of the questions, but I haven’t been in this situation before. Thanks.
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