A couple of months ago a guy in a work truck rear ended me going less than 10 mph in stop-and--go traffic on 290. I'm just now getting around to dealing with it.

The damage is minor, but it's not nothing. The trunk lid is bent, the bumper is gouged, i believe the frame around the trunk is bent a little bit.

Anyway, the guy wants to pay out of pocket instead of having it hit his insurance. I can appreciate that, but I'm not sure I want to play that game. Filing a claim, dealing with the insurance co on repair, rental, etc seems like it may just be cleaner.

Any advice or guard rails for dealing with a situation like this?

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Any advice or guard rails for dealing with a situation like this?

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You have it in writing that he admits fault? I'd get that first before contacting insurance in case he changes his story.

Thanks all. I'll just file a claim. He rear ended me on 290, there's no dispute about fault. And there are extenuating circumstances why I didn't deal with it right away, I'll leave it at that.

Martin Q. Blank said:

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there's no dispute about fault.

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yet

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Yep, they'll suddenly claim you were actually at fault. Happens every time, it's why dash cams are so important

Insurance. If he hit you from behind, zero way it's not his fault given the scenario in the OP, but I guess they could try. Either way, I don't want to f--- with that. It goes through insurance and let them battle all that junk out. Unfortunately, this is not a situation from Mayberry in 1963 where people are worth their word. Plus, you said a work truck, so is this going to involve commercial vehicles? I just don't like anything about this....I'd let your insurance premium start working for you, my friend.

If you are looking to be nice, help an old lady across the street. If you are smart, let insurance handle it.

I was on the flip side of this. Accidentally backed into a guy. He let me pay him and my ins didn't get creamed.

Mayberry still exists in Lubbock.