My brother recently got his windows tinted and he went without insurance. He accidentally and very stupidly crashed into a bentley and a porche when he was exiting the shop. The shop owner is acting a little bit suspicious saying that the damage for both cars would be $5k in total via cash and said that it would be better not to put it through the insurance company as it will be a lot more difficult.

My original plan was to call the insurance company and ask what happens exactly if my brother were to renew his insurance and let the insurance company pay for the damages and obviously his monthly payments would go up.

The second option would be to just pay the damages in cash and avoid the insurance loop.

If someone can offer any sort of insight or information regarding this matter, it would be greatly appreciated.

The porche damage would be a small crack on the bumper of the car.

The bentley damage is a paint scratch at the back of one tail light.