Just as we urge customers to file a claim for their own repairs, we would urge our customers to protect themselves by getting a full accident report and insurance claim when the damage is someone else's fault. People are quick to offer to pay out of their own pocket without full knowledge of what they are committing to. When they receive a full appraisal of the damages they often back out. Should additional damage be found or if the repair estimate is higher than expected, you may be left holding the bag for repair costs. Many insurance policies won't cover damage unless policyholders file an accident report and notify them immediately. We urge you not to take this risk.