A young lad has just bumped my brand new car in a car park - he was very apologetic and upset, gave me all his insurance details, and I got a witness.
Damage is minor - I've suggested to dh that I call the lad, suggest I get a quote for the damage, and if it's less than his excess (I suspect it will be, knowing how much they charge teenage lads) then he can pay direct. Dh says NO WAY - it's to go through the insurance.
What would you do?