Never mind motivation. You really don't know what effects you might have.

STOP. Never try to negotiate with an opposing insurance company without an attorney. I don't care how smart you think you are or how minor the damages, don't do it. Even if you have to give up a chunk to the attorney, it will generally be worth it.

Those numbers are nuisance chump change. He probably has some high risk insurer who is going to give you the minimum. I have had insurance companies give me ten grand just to go away.

Here in Florida you could sue the drunk driver for PUNITIVE DAMAGES. Have an attorney explain that to you if your state is the same, which is highly likely.

I am not saying you should try to turn this into a big pay day (though a lawyer would), but you never can trust the opposing insurer.