Good Morning wbm xxx and all overcast and few raindrops on window .Next door neighbour was visiting friends and neighbour across backed into him smashed his back door . She said can we settle this privately as she don't have her no claims protected . I said to him I hope she is going to pay for a hired car as well . That made him think so he is off down to his insurance place today .I would not settle privately unless it was very small in saying that I maybe wouldn't if they did not pay up then it would be more hassle .Have a nice day all ,