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Originally Posted by ArkiStan
How will going through the insurance company affect ME?... While my insurance will cover the accident, will it leave a blemish on my drivers licence record? If so, how could having that record affect me?
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The only way your driving record or potential future insurance rates will be affected is if a LEO (Law Enforcement Officer) cited you (gave you a ticket) or wrote a report as a result of the incident. If law enforcement was not involved you have nothing to worry about.
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Is there any reason that it would be worth it for MY sake to just pay the guy off $75 in cash?
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Hell, no! You paid for supplemental insurance to cover an event like this, so let the insurer deal with it.