However, you might want to think about your neighbors for a moment. When you process the claim, their insurance is likely to rise. If they have had a previous nick on the record, it could rise quite a bit (esp. since there is no doubt of fault here). And there is likely a deductable they will have to satisfy.If they are willing to settle with you (even for less), it might be the cool thing to do to take him up on it. I dunno, maybe you don't know them or care, but I think I'd be peeved if a neighbor made an insurance claim against me after I offered to make good. Having friendly neighbors might be worth more than a couple hundred bucks in the short term. Of course, if your neighbors are jerks or something, don't bother. Just my thoughts...Actually I've never even seen these neighbors before and don't know them from Adam. They are trying to offer me $4-500 instead of the full estimate amount. Maybe I'm a bitch, but I don't see why I should take less than I am entitled just for their sake, because I'm pretty sure they wouldn't do me any favors if I hit their nice Firebird. I live on a street of rental duplexes and people move in and out so much, I'm not too worried about what any of them think. Especially since I'm quite sure they wouldn't take $300 less if the shoe were on the other foot...Again, maybe I'm a bitch, but I don't really think that these strangers who happen to live accross the street from me would do me the same "favor" if the roles were switched.Nickie
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