My question involves insurance law for the state of: NJ
I had a test drive accident and I have no insurance because I don't have a car before. I am driving a 2008 milan and hitting the front of a lincoln. The brake is so soft that I hit the lincoln. The lincoln has a small pit and the milan just has one scratch(very light). The dealer is called malouf. They called the police and the police did not give me a ticket but say I have to negotiate with the dealer for the repair. But the dealer did not allow me to repair myself and they charge me $1000 to repair the car. Also, they want me to pay quickly.
My question is if I found their price is unreasonable what can I do and how can I argue?
I am looking forward to your reply.