I actually did have that happen to me. Got hit in the parking lot and the guy left a note, so I figured I would be nice to him and stay outside insurance, which he requested. I got a few quotes and picked the shop I liked the most, even though it was a few hundred more at that shop that the cheapest price. The guy refused to pay for the shop I wanted to go to, and said he'd only pay the lowest price. My next call was to the insurance company and then it was smooth sailing.
Cool story bro summary: if you get hit, always just go through insurance to avoid the headache of dealing with the person who hit you
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