On my old car, some guy had rear-ended me and caused some little damage, however @ the time i did not care about my car that much, it was an 88' off roading SUV and had its share of dings and scratches.
I decided to get quotyes for insurance on it because I knew he didn't want it on his records and didn't want his rates to go up.
So I went around and got the quotes to repair and insurance required @ least two. I got 3 and picked the two highest.
It turns out after sending him the information and quotes all documented for the insurance - he sends a letter back asking if it would be alright to not file with insurance and just make out a check.
I respond with yes that will be fine if it is a cashier's check. So a few days later I got a decent sized check in the mail in which none of it went towards the damage.
Sh!tty position to be in and such, it was my first real accident so I didn't really know what to do, so we did the whole 'police report + insurance claim' thing... Now looking back I would have just had him write me a check on the spot, woulda saved him money as I had no idea how much the "repairs" were actually going to cost.
Man that was along post, sorry. But yea see if you can work out something not in view of the insurance company.