I understand but both me and the other driver decided against that had we both done the insurance claim none of this would've happened.

That was kinda on me and my brother to not to do the insurance (yes we have full coverage in case if you're asking) but my dad contacted the lawyer and he says its best to pay them whatever his mechanic is gonna say and just go with it. I know it's too much but this guy and us we both go to different colleges I go to Montclair (so does my brother) he goes to NJCU.