It should be a pretty simple transaction. This is why I seem confused. The insurance company, I believe is playing games to avoid paying out on the mini tort. I know very little about the other party. I get conflicting information from the person who hit my wife to their insurance company. If I take the other party to small claims then all of this will come diectly out of their pocket. I feel that this is what their insurance company wants to avoid paying the $500.