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That sucks for you in the first instance, but think about it that way:
You outlay 500 bucks now and get your car fixed soonest possible,
while your insurance deals with all the pesky stuff (like, in the worst case, suing the opponent side, obtaining a title, executing from that title, etc.).
This takes a lot of time and nerves, and in the end the other side may not be able to pay at all.
You don't Need to Thing about any of this, and you may even get an unexpected 500 bucks back at some point in the future.
Small anecdote: I got sideswiped by some ***hat in an SUV on Friday the 13th (not today, the one in April).
Surveyor estimates the damage around EUR 5.000-6.000.
For reasons which take too long to explain here, I chose to not involve my comprehensive insurance, but I took Action via my lawyer immediately (I have legal insurance).
End of June I finally received 50% settlement (since there were no independent witnesses, it was decided that fault would be shared 50/50 - time to get a dashcam).
I will finally be getting the car back end of August.
Could I just have paid 500 bucks to get the car back in May or so, and save myself all the hassle, I would have done that without hesitation.
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