I really need your advice. I was rear-ended recently. It was pouring rain, and initially, it didn't look like there was much damage because we just looked at the bumper. :sad2: Well, I took a look after the rain ended, and there is a lot more damage, especially on the passender back side. And a couple of body shops said it'll cost several thousand dollars at least. The other driver doesn't know the new estimates, but if they still want to pay without going through insurance, should I do it? Are there pitfalls to working with the other driver without going through insurance? Is it always better to work with insurance companies (to get their help, backing etc)? I just don't want to scr*w myself or get scr*wed up. :worried: Thanks in advance for any advice, tips you may have!!!