While coming home tonight, i got into a little bumper accident with another person. It's technically my fault. My car is hardly scratched and his has about a baseball side dent in it. The guy was pretty cool about the whole thing. Now, this is just after a previous accident i just had and insurance is already really high. I'm not sure of the legalities of the whole situation, but what do you think i should do? Can i settle this outside of the insurance tangle? Help!!!! Please!!!