<human>: Can you succinctly summarize the text in 1-3 sentences?

Completely by chance, I got into a car accident with my grandfather. He ran a stop sign on the way to my house to see my mother, and *severely* damaged the left side of my car, including the tire, headlight, mirror, and passenger side window. The police showed up, and I somehow talked my way into them not giving him a ticket.

Here's my issue. If I call his insurance agency, I don't want his insurance to be raised, and it'll be raised to about quadruple what it is now, or in other words, about triple what he can even afford off his retirement + whatever other income he makes. 

This amazing man put me through college, but I'm never going to be able to afford this. I don't know what to do. 

I know I *should* call the insurance agency, because he's, you know, responsible for the damage to my car, but he'll have his only way of transportation taken away. He can see and hear fine. He's a safe driver, and this was just an accident. 

Help.
<bot>: My grandfather ran a stop sign and now my car is fubar. I don't want to slam him financially by reporting it to his insurance agency.