<human>: A few weeks ago, the wind caught my door as I was leaving my car and hit the vehicle next to me. I briefly inspected the scratch it left (very minor, mostly paint from my car that could be polished off). Given how picky I am about my own cars, I felt bad and left a note with my first name and phone number.

First, they said we could settle this privately if I paid them $500. I have history doing my own body work, and I know this is probably more than it's worth so I took the pictures they sent me and sent them to various shops in the city. I got quotes ranging from $80 for a polish, to $270 if new paint is necessary. I even had one shop offer to fix it for free if no paint is needed. I only had one shop say that if painting is required, the cost may add up to around $500 if they have to remove the panel, door handles, etc.. They would not give me an actual estimate without seeing the make/model/severity of the damage in person.

Yesterday, after I presented these, they showed me a quote for almost $1500! Now, their quotes will be more reliable since they have more than just pictures, but there are charges on the quote for sheet metal replacement of the panel, which is completely unnecessary for the damage I did.

They are now saying they are filing a police report, and we are likely going through insurance. But I'm worried that my policy will go up more than it needs to if they file for a repair of this size. Do I have any say in what the damage costs? Are there legal ramifications if I just block their number? All they have is a phone number and first name... This started off as me trying to do the right thing, but they aren't being very understanding (I even offered to try polishing it myself first, and paying for a repair if they weren't happy - I'm a student and can barely afford my student loan payments, let alone a car repair).

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<bot>: I scratched someone's car in a parking lot. We tried to settle it privately but their number is almost 6x higher than mine. What do I do?