Young driver, small crash - pay up or claim off insurance?

After settling privately there's nothing stopping the other party raising a personal injury claim. Then it could get messy.
 
I'd suggest you let your insurer deal with it and then if there is no injury claim, you could repay them the cost before next renewal date to protect the NCB.

Another suggestion would be to settle directly, but most importantly, let your insurer know you are doing this and that you would expect them to be honour bound to reimburse you, in the event of an injury claim.
 
Whilst there is nothing stopping the Jeep guy from raising an injury claim, there is a much more likelihood of this happening once they’re contacted by the insurance company.

To think otherwise, your just in denial. Most, willing to settle privately would be decent enough to leave it at that.
 
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