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She didn't tell me it happened and left the scene. I believe that she scratched it, panicked and then had her sister move it away. I only found out when my wife saw the scratch the same day it happened. We were leaving Walmart when she saw it. I went up to her apartment to tell her she scratched it. Had it estimated for $350 and she initial agreed to pay for it. I have text messages that say she will give me the money for the repairs. But now her brother is making a new deal to look for a cheaper estimate. What are my options if they decide not to pay for it? This happened about a week ago. If they don't pay, can I still report this to her insurance? Thank you.