Q: I was in an accident. It was my fault. I don't have insurance. What can I do?
A: You have a few options:
A - You pay him the amount of the estimate.
B - You ask him to get two or three estimates and you pay off of one of those estimates.
C - You make him sue you in small claims court and, when you lose, the judge sets the amount of damages.
D - You make him file a claim with his auto insurance and then they sue you for the damages. They may also report it to a collection agency and let the collection agency ding your credit report.
E - You tell him you have no money and offer to make payments to him. Then, you make the payments.
Remember, if you choose option D, you need to make sure that you know your rights. You may want to check out my debt blog that discusses your rights. Also, look for my prior posts about dealing with the insurance company and the bully tactics that they use.