[Julio]

I guess in a similar vein to the parking lot question:

Had a kid back up into me. No question it was his fault, we were waiting in line to get into a parking lot, and I have a witness (the lady taking the money for the lot).
I had to get a hold of the guy in order to get all his info (I didn't get the kid's drivers license, and he was driving his parents SUV, and I had to file a police report). I got a hold of the dad, and he immediately went into 'I don't want insurance involved' mode. (The father is a new Canadian, if that makes a difference) He wants to see the estimate I got from the body shop, saying 'it seemed high'.

I can't think of any reason why I wouldn't politely tell him I want to go through insurance, both because how do I know he will pay, and because I also get a rental while my car is in the shop.

Can anybody tell me why I would let this guy have a look at the estimate, and then go outside the insurance system to get my car fixed?