Help about a car accident.

[EchoDragon]

I'll try to keep this short.

Recently went into the back of someone. It was my fault. Gave her all my details but not my policy number these were on a card from my insurance company.

Damage looked minimal she said she wasn't bothered about claiming. Then said she would get a friend to look at it. They could respray it cheaply. I stupidly said ok let me know costs and we'll sort it out.

Several months later still heard nothing. Then a couple of days ago she sent me the bill. It's over eight hundred pounds. Since the accident I have had no contact at all with her.

She had the car repaired within ten days of the accident. But never contacted me to ask if I was ok to still pay that much or was I still happy to pay it or even give me chsnce to get alternative quotes.I would have told her I wanted to speak to my insurance company as couldn't pay that much.

I do appreciate it was very stupid of me to not report it to insurance company and am not asking you to tell me to refuse to pay it. But I can't afford to pay it all in one lump sum.

I guess what I want to know is

A Can I propose paying in installments to her.
B If she refuses to let me where legally where do I stand?

It was a conversation between us almost 3 months ago that was not recorded. Neither of us has proof what the other one said. I would appreciate any advice greatly.