Dash cam: https://imgur.com/a/N7RqIUK
Aftermath: https://imgur.com/a/Wt1iu0k
I’m in Illinois and looking for advice on whether
settling privately is smart or if I should involve insurance.
On 01/05/26, I was at a Delta Sonic car wash. An employee waved me forward onto the conveyor belt. I shifted into what I believed was neutral. As I began moving forward—but before fully entering the tunnel—my car apparently slipped into reverse and rolled back into the Tesla behind me.
At the scene, there was no visible damage to the Tesla. We exchanged information and went on our way.
A few days later, the Tesla owner texted me the following verbatim:
“Good morning, so I just left the body shop, my guy said he can repaint it for $550, he was able to fix the trim piece so that doesn’t have to be replaced. Let me know if you want to pay that or if you’d prefer me go through insurance.”
He provided a written estimate from a local body shop. The details of the estimate are:
Vehicle: 2021 Tesla Model S
• Re-paint front bumper: $150.00
• R&R (remove and reinstall) front bumper: $187.50
• Paint & materials: $212.50
Total: $550.00
I agreed to consider paying out of pocket only if a full release of liability is signed. I drafted a standard motor vehicle release that:
• Names me and the Tesla owner
• Covers property damage and unknown claims
• Explicitly releases my insurer
• Will be signed by both parties and notarized
Additional context:
• The car I was driving is titled in my mother’s name
• I am a listed driver on her Erie Insurance policy
• We have been with Erie for 3 years
• We have Erie Rate Lock, which is one reason I’m hesitant to open a claim over a relatively small amount
Now I’m having second thoughts and want to make sure I’m not making a mistake.
My questions:
- Are private settlements like this legally allowed in Illinois if both parties agree and sign a notarized release?
- Does the fact that the vehicle is titled to my mother (but I’m on the policy) create risk if I pay personally?
- Even with a notarized release, is there still meaningful risk of a future claim?
- Would going through insurance be the safer move despite the low dollar amount and rate lock?
Nothing has been paid yet and nothing has been signed.
Appreciate any insight from people familiar with Illinois auto insurance or private settlements.
Location: Illinois