Last week my car was bashed in carpark, wing mirror pushed in and when checked was all scratched. No note or anything but maybe they didn't notice or to be honest guess it happens a lot .
I then slightly scuffed car today getting into parking space (having a bad run of it!), completely my fault. Very tired and just misjudged it. Only small surface level black scuff, reckon something for you could sort yourself. Anyway as decent human I was writing note with my info for the driver when she came back, exchanged details, said I'd be happy to pay for repair would ideally not want to go through insurance as small thing. She's now being funny saying she wants to go through insurance. Just don't get why? Had couple of quotes for her already between £100-200. Just gutted as will lose my 10 years no claim over something so daft and my insurance will shoot up. Anything I can do to persuade her? I was really apologetic at the time and was genuine accident