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RE: Do Not Call the Cops! Cooperate to Resolve Problems
Here in Canada, I wouldn't have involved insurance either. Just have him pay for the repairs if they were minor.
That way insurance premiums don't increase.
Car insurance is the biggest scam on the planet. It's an absolute racket.
I couldn't agree more.
That could go wrong of course. Even if you exchange details he could later deny it, or say you backed into him or something. Someone should create binding ad-hoc contracts for payment of property repair contingent on repair by a mutually trusted third party.
That said I was once backed into by a guy who ignored my honking and went faster than my efforts to back away from him when I realised he wasn't stopping. The thing is my front end was already damage from a long ago accident that was never fixed. His collision basically did nothing but scrape some rust off old wounds. On surveying the damage he pulled out his wallet offered me $200 which I took and we parted company. No insurance, not even exchange of details.
However the acceptance of "pay to play badly" can also go badly wrong for other reasons. Look at some of these serial sexual offenders who are coming to light now who have used pay offs and settlements to bury a life of predatory and criminal behaviour. Because people kept taking their money or bowing to their "power" and not reporting things they were able to keep it up (no pun intended) un-checked and many more victims had to deal with their shit (and let's be honest, they are just the tip of the iceberg).
You could say the same thing about bad drivers - some like your cellphone user may take this as a warming shot, get the message and improve their shit, at least for a while. Others are serial bad drivers who should just not be let behind the wheel of a car. They pay ridiculous insurance rates or just pay out of pocket and may one day badly hurt or kill someone. If there is no official report of these things there is no way to track serial bad drivers and really insurance companies don't have much of an interest in it either. The higher the rates the more money they make. The more accidents the more money they make. And they same goes for the auto repair industry.
Personally I can't wait to see ubiquitous self driving cars and then we can kiss this entire sorry part of our history goodbye. No more rent seeking insurance and repair industries, cars will last so much longer, tens of thousands not killed each year in the US alone, hundreds of thousands not hospitalised, no wasting law enforcement on policing traffic (seriously, what a waste), etc. etc. etc.
This is exactly what we did, when someone hit a thing on our vehicle, he wanted to pay us cash for that reason We looked at prices to repair the thing (honest prices) and the person payed us. We happy the person happy.
Edit; Oh and of course we did not call the cops either.