OH... my... Well... I'm a dad, So... here's what I'd want my kid to do... First, get some insurance... right now! Then... Did you give him any personal information? I'm guessing yes. So he is taking advantage of you and you need help. You should call your insurance company and ask them (hypothetically) if you were to be in an accident, what would happen. If they say, the car is covered and it doesn't matter who was driving (possibly the case) then hang up, call back to talk to a different person and explain what happened, and let them guide you through it. If you are not covered in any way,... ugh... Then have your husband call this idiot and tell him he has two options. He can take $200 in cash for the scratches, or take you to court. Tell him you are not insured on the car, you are a student who just paid tuition and you have $200 to your name. Tell him firmly that there is no record, no police report, no witness's, and since he's know's he's just trying to milk you, he should take the $200 and leave you alone. Tell him to take you to court if he want's more than that. And then say nothing - let him go from there. But don't budge - $200 or court. If he keeps wrangling, hang up. You might pressure him more and tell him it will cost him $500 in court fees (which he won't get back - courts do not make the "looser" pay the "winner's" fees) he'd be better off taking $200 and going away. Lay it on thick. Tell him $200 is more than fair and he can have it if he goes away. If he want's to come after you - let him. If he tries to damage your property because he has your address... well hon... you have car insurance :) so he can do what he'll do and maybe you'll catch him in the act and have to call the cops and go through that BS. But that is really the best/only options I see, except those other options that are less honest. People like this could make things bad for you, but are usually not bright and can be scared away if you are firm. Be fair, respectful, but firm. Good luck.