[Wideboy]

go through insurance don't do the ****wad any favours, even if it was a topless blonde crying you should still take them to the cleaners! they'll feel it come next renewal

you'll probably find that this pleb is being nice because he wants you to go outside of insurance, once/if you inform him your not then watch their politeness change. You've nothing to worry about you have him banged to rights as he went up the back of you (no argument can get him out of that) and your have a witness.

the last bloke that went up the back of me harassed me for days as he wanted me to go outside of insurance, i had the estimate done and it was considerable, he pestered me again the next day, i explained to him the damage ect and he turned nasty and started accusing me of all sorts and trying to extort him. I had some choice words with him down the phone and he hasn't contacted me since. He was a right ****ing **** i'd quite like to punch him.