CAR ACCIDENT

I HAD CAR ACCIDENT MONDAY IN THE PARKING LOT OF METRO (GROCERY STORE), WHEN I BACK UP, MY RIGHT FRONT SIDE HIT THE GUY\'S LEFT REAR, AS I WAS VERY SLOW, I CHECKED HIS CAR THERE WAS NO DENT, ONLY LIGHT SCRATCH ON THE PAINT, IT IS LIKE YOU USE YOUR NAILS TO SCRATCH, VERY SMALLL SCRATCH. I TOLD THE GUY THAT I DO NOT WANT TO HAVE MY INSURANCE INCREASE, JUST BRIGHT HIS CAR TO GARAGE AND I WILL PAY HIM. WEDNESDAY NIGHT HE FAXED ME A BILL OF 1,200.00, THE ITEMS INCLUDING HIS DOOR HANDLE, DENT....ETC...

I AM VEYR UPSET WITH THAT GUY, BECAUSE I TRUST HIM AND HE IS NOT HONEST TO ME AND I HAVE TO ASK FOR SUCH AS HIGH PRICE. I GUESS THAT I WILL HAVE TO CALL MY INSURANCE COMPANY AND REPORT THIS.

WILL I HAVE A PROBLEM TO REPORT THIS TO THE INSURANCE COMPANY SO LATE? I DID NOT CALL THE POLICE WHEN THE ACCIDENT HAPPENED, THERE WILL BE NO WITNESS, HOW CAN I EXPLAIN THE CAR DAMAGE OF THAT GUY IS JUST A LITTLE SCRATCH?

ANY SUGGESTION IS MUCH APPRECIATED. TXS.