I had a similar little incident a couple weeks ago, an older lady in a brand new x3 pulled out of a junction right in front of me and i hit her on the main road. I was in my transit and my bullbars crushed the front wing and creased the door. My van barely has a scratch. After making sure she was ok ( which she was thankfully) i got all my details written down but She told me she didnt want insurance involved and was offering me £50! I refused to take the money and told her she should go through insurance but she was adamant. Wonder what her husband said when she got home lol