Haha, I take it this has been an ongoing discussion? Good luck ;) Others have brought up great points though, ones that I didn't think of. But I still just can't imagine wanting to put in any extra effort here hahaha.
My husband was recently rear-ended at a drive thru. Not sure if damage to our truck (if a work truck the dent in the bumper may have been there....there were no shiny new scratches) but the lady ran under the the truck some and damaged her vehicle. She said she have insurance. My husband asked if it was full coverage. "No, but it will cover yours" My husband said "So it is not gonna do any good for you, I say we just get our lunch and go on, I don't want to sit here forever waiting on the police". She was good with that. As he got to the window to pay for our lunch, he also paid for the woman's lunch (she was the order behind him) The other guy there who witnessed the whole thing jaw dropped.