[Sir Krustin]

I see I'm probably too late, but I'm going to repeat what others are saying: call the cops, report it to insurance.

1) Her immaturity isn't YOUR problem, and she needs to learn her lesson.

2) The potential for liability here is HUGE. She could just call the cops and blame YOU for the accident, and YOU would look guilty b/c you didn't report. In fact this happened to me once - I agreed to take cash instead of taking it through insurance, and I hadn't left the scene 15 minutes and they were talking to the police accusing me of everything from drinking to speeding. (fortunately, I got wind of this quickly and was able to prove I wasn't drinking AT ALL and she had a history of lying about this stuff)

3) If she is 100% at fault, you shouldn't have to worry about your rates going up unless no-fault is more of a reality than it is up here.

4) He's asking for an estimate - he's in NO position to demand anything; especially if she isn't insured on that vehicle. If I was in your shoes I'd be saying "Buy my car for $5K, or shut the f*** up and we go through insurance"....and buying a better car.