Yeah, I only comfortably call people who try to cut the other guy slack and avoid insurance a “class A idiot” because I’ve been that guy myself. Just so much hassle and run around, and my person seemed to forget along the way that I was the one doing them a favour, and they were doing me no favours by simply paying for the repairs. Thankfully when things turned sour I was still able to go through insurance and I had a witness, so it worked out for me in the end, but the process took 10x longer for nothing.
I’ll never avoid insurance as a favour to someone again. Lesson learned.
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