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Cutting the guy a break? I did that once. A guy at the local dump backed into my van's side door. The adjuster looked at the damage and said it was something like $225. We both had Allstate insurance, so I asked the adjuster what the limit was before the other guy's premium would be increased. He said $200. I looked at my door and said it looked like I could reuse the chrome trim, since is was just a little bent. The adjuster took that off the list and the total was under $200. I remember the adjuster telling me that not many people do something like that. I hope it happens once in a while though.
In this case, I doubt if sickopsycho's crash lends itself to staying under the premium-increase limit.
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