Car insurance, Help!?

I crashed my car into another car, both card sustained minimal damage, I just payed for my car to be fixed without consulting my insurance, is this illegal? And furthermore could I settle a money agreement with the guy I crashed into? is this all legal? Also if the guy decided to go through insurance would someone come inspect my car or inspect his... Basically what would the whole procedure be? I haven't contacted him yet

BEST ANSWER: Try this site where you can compare quotes:HELP-INSURE.NET

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Car insurance, Help!?

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