how much is your deductible? subtract that from the $1000 before you decide.
if he drops the claim, then it should not appear on your record with them. i don;t know that for sure. try calling a local insurance agent and asking that in a cute little girly voice. make sure you speak in hypotheticals. if it doesn't affect your record, i'd pay cash.
man, i fucking hate car insurance. you MUST have it, but if you use it, you have to pay more forever after.
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This body holding me reminds me of my own mortality
Embrace this moment, remember
We are eternal, all this pain is an illusion ~MJKeenan
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