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Question about car insurance claims?

Over the holidays I backed into a distant relatives car. It did some minor damage and I resolved to pay for it out of pocket. Now they are coming to me and telling me the estimates they have gotten so far, far exceed expectations of the damage and that I should just make a claim on my car insurance. If I were to do that, does the insurance company pay the person, or do they pay the repair shop directly? I am trying to figure out if this guy is just trying to get a big check from my insurance. I still have yet to see an estimate. I am committed to fixing the damage I caused to my future cousin in laws car. But I don't understand why he is so intent on me putting a claim against my insurance.

   








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Over the holidays I backed into a distant relatives car. It did some minor damage and I resolved to pay for it out of pocket. Now they are coming to me and telling me the estimates they have gotten so far, far exceed expectations of the damage and that I should just make a claim on my car insurance. If I were to do that, does the insurance company pay the person, or do they pay the repair shop directly? I am trying to figure out if this guy is just trying to get a big check from my insurance. I still have yet to see an estimate. I am committed to fixing the damage I caused to my future cousin in laws car. But I don't understand why he is so intent on me putting a claim against my insurance.


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Question about car insurance claims?
Over the holidays I backed into a distant relatives car. It did some minor damage and I resolved to pay for it out of pocket. Now they are coming to me and telling me the estimates they have gotten so far, far exceed expectations of the damage and that I should just make a claim on my car insurance. If I were to do that, does the insurance company pay the person, or do they pay the repair shop directly? I am trying to figure out if this guy is just trying to get a big check from my insurance. I still have yet to see an estimate. I am committed to fixing the damage I caused to my future cousin in laws car. But I don't understand why he is so intent on me putting a claim against my insurance.