<human>: Hi reddit, I need a little help. For a little background, I'm 19, still live with my parents. I work full time and go to school full time. This morning, I asked my mother to move her car so I could get out of the driveway. As I'm backing out, I notice my across-the-street neighbor's maid has once again parked her truck almost directly in front of my driveway. I mistakenly thought I had enough room and left a small dent in her truck. I run up to the house and have my neighbor translate. I suspect her maid may be undocumented, and as such does not have insurance. I also would rather not have my insurance go up again, so I offer to pay her cash if she wants the dent fixed. She said it was fine and not worry about it. So I go back in the house and tell my mother I offered cash to fix the dent, but she refused; my mother was clearly incensed. She said what I did was asinine and stupid, and said "You don't ever offer cash. You shouldn't have offered your hard-earned money to fix her dent." That's what got me - I put a dent in her truck, so shouldn't I offer to fix it? I'm pretty sure she has no insurance company for mine to communicate with, and I didn't want my insurance to go up again. I figured, win-win. My mother would not explain why this was wrong when I asked, so I'm wondering if you guys could explain to me why this wrong.
Sorry for the long post.

Give me the gist of the text in a nutshell
<bot>: hit my neighbor's maid's truck while backing out my driveway; offered to settle with cash, but she said it was no big deal; mother got angry, said settling with cash is always stupid, wouldn't explain why