The morale of the story is if you are really worried about your insurance rates going up, be a better driver and don't hit other people. If not, expect consequences. I had a guy that hit me (plenty of witnesses) beg me almost in tears not to go through insurance but his jackass move to go around a slow semi-truck in the turning lane and make a blind left turn into traffic was telling that this guy was not going to learn to be a better driver by being let off the hook. Not only that I'm not willing to let someone else's problem become mine and that's what can happen if you let them try to pay out of pocket to fix it.
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