My husband drove my brother's car and forgot that he was excluded on his policy. He was at fault in a tiny fender bender that left a hairline scratch on the other's guy's car.He wanted to pay for the repair, but the driver did not want to negotiate, police came , but my husband did not received a ticket . Well State F the other guy's ins co paid $1800 for a tiny scratch on a Chevy. A brand new bumper with painting and all should not be more than $500.Now my brother was out of the country at the time got the bill from a collection agency , with the threat to suspend his license .He already called to let them now it was my husband that drove it. How can we dispute this ridiculous amount for the repair? Can they really suspend my husband's GA license? or you just get bad credit?