Expert: Bennie719 - 3/29/2008

Question
I recently hit someone's car in my driveway (which, by the way was parked illegally), and caused minor damage to the rear tail light of her '99 Saturn.  I told her to provide me with an estimate of the damages and I would take care of it.  I felt that the estimate provided was too much and offered to have it fixed at a shop that belongs to a family friend, but the car owner refused.  I went on to tell her that I would agree to have the car fixed at the place she chose (the dealership), however, I would be paying by credit.  She refused and demanded I pay her in cash...if not, she would report the incident to my insurance company.  I don't believe that it will cost what she says, and that she wants to pocket the extra money.  Am I obligated to pay her cash, or does she have to accept the payment type I am offering, which is to pay the dealership directly by credit card?

Answer
Hi Nikola,
In my opinion, you have done everything possible to handle this in a friendly way.  I don't think that you can force her to allow you to pay by credit card.
I agree that she probably has an inflated estimate and wants to pocket the extra money.
Most insurance companies will not increase your rate if the damage is under $500.  Make a phone call to your AGENT and get his 'off the record' opinion.
Your best option is to report this to your insurance company and let them handle the incident.  They will certainly NOT over pay her.
I hope you find this information helpful.
Your feedback by rating my answer will be appreciated.
Sincerely,
Bennie
San Francisco Bay Area