I had a super pathetic accident like that once. I was sitting behind a GTI ( I had a GTI at the time too) at a traffic light. I had been there for like 30 seconds. I was wearing flipflops. Right as the light turned green, it was falling off and I tried to flip it on quick and ended up stepping on the gas prematurely and giving the GTI in front of me a little love tap.
Anyway, the way it worked out was that my front license plate pushed into his ever so slightly and stretched the plastic in a spot that you couldn't see it unless you got down on your knees.
Anyway, I wanted to settle outside of insurance. He went to the a place his insurance recommended. They said that insurance companies got a discount and it was only $700 to fix it, or $1200 with out. I said I'd rather pay the $1200... but because it was over $750 he said he had to go through his insurance and report it....
So yeah, I got to pay the $500 deductible and had my insurance go up by $40 a month for 2 years. Not that much more expensive... but he was still a dick about it. I was absolutely furious. Especially since I called the VW dealership and they quoted me $800.
Shit sucks..... If it were my car... I'd want it fixed, but my car is also still worth about $13,000.... But I'd be down to settle and take a few small payments, cause that shit has happened to me.
Sorry that some people suck when it comes to cosmetic stuff.