Yeah. I wouldn't have felt so bad about settling outside of insurance had I not felt such weird vibes coming off the guy. I'm not saying he would have tried to rip me off, but can you really trust a complete stranger? Why would you?

We (legal drivers) all pay for insurance on our vehicles in case something happens. I was willing to take the hit of my insurance possibly going up 10% for three years than get in to any sort of legal trouble with this guy.