If someone rear ended one of my cars, yes I would make them pay for it, whether their rates went up or not.
If I took a dump on the ground and someone stepped in it and messed it up, then yeah I guess I would just let them off the hook. j/k I’m sure they were very grateful.
I let someone go once… there was a trailer hitch on the back of my parents conversion van, and someone hit me. No damage to the van (that I knew of) and they had a huge round dent in their front bumper. Let them go, found out later that it screwed up the wiring in the trailer hitch and my parents had to pay $300 to fix it… :hs: