Michael, have you noticed that NO ONE has agreed with what you have said so far? Sorry to sound harsh, but the reality here is that no one wants to see you getting screwed over. A few of the guys talk from actual experience, so its up to you to believe them. I know you're a nice guy, but DO NOT feel sorry for this bloke, do not accept his cash. You will only get screwed over. Once you accepted the cash (or even a portion of it), you've pretty much "resolved" it and you wont have much of a leg to stand. So if he screws you, and you take it NRMA, its going to become a piece of turd. He will probably argue/make up that you accepted partial fault hence why you accepted to foot a portion of the bill, which is why he only paid you $1000 instead of $3000. Your story vs his. You will be surprised at how many different variants of the story that can arise from these things, and how messy these things can become (and NRMA wont even want to touch it with a 10ft pole!). How honest can the guy be if he's in the "car industry" and driving around a "car thats for sale" with "no license", which to me spells "im out to screw you" Btw, if you really want cash, make sure you get the highest quotes, and DO NOT let him quote it. If he doesnt agree to those quotes, then tell him you will take it through the insurer. Remember his "panel beater" will go there and try to underquote. ie Your quote - $3000. His "panel beater" quote will be $1500. Guess what he's gonna offer to pay. ;) PS: You can also sue him for damages caused to your neck. I recommend that both you and your gf get checked out by a doctor and get a full written report. If there are potential injuries which the doctor recommends that you take time off work, sue the d!ckhead for loss of income too.