The crash I got I to later that was car on car, part of it was I figured I could afford to get it fixed on my own and partly because I suspected the other driver may not have had all the paperwork they were technically supposed to and I though getting insurance involved might also get police scrutiny they didn't need. So I decided to just cover it myself even tho it was 100% their fault. I don't want to ruin someone's life over it.

I don't know what I would do if the crash was much more serious. It wasn't cheap fixing my car even with the minor damage that was done. If I'd needed insurance idk.