Accident, what can my friend do?

[Bully13]

I'm sorry but this whole thing is just silly. Seriously, if I only took down a complete stranger's first name and #, I would not expect a dime. I'd kiss that money goodbye.

Why bother when my insurance can make all the calls. That's why I make that payment every month so they can hassle with it. Probably not $300 worth of damage, but a lot more.

There was only one time someone hit me and I didn't call my insurrance. A guy hit my bumper in a truck that I had that I didn't care about. He had 500 bucks on him and asked me not to call my insurance. I took the money and never fixed small dent in the bumper.