Sometimes incidents occur that are our fault and we have to reimburse another participant for repairs. If you have insurance, you can expect a portion of the costs to be covered; if not, you will be responsible for paying the full amount, which can be quite costly. In my nation, insurance is required, therefore if he doesn't have it, he also breached the law. How should you respond in this situation, and does this imply that you can't pay him for repairs?
