What's the issue? It's your money. If you want to keep it, it's yours.
And Sooner, when I get in an accident that is someone else's fault, I don't even tell MY insurance company. I just go through the other guys' insurance company if they're playing ball. Why would I want an accident from someone else to end up on my insurance record and possibly raise my rates? I only once involved my insurance company and that was because the other insurance company wasn't giving me a fair settlement. But raised rates for three years? Hell no. In the end, in this instance, it wouldn't even be worth the $1300. In the couple accidents that I've been in where it was MY fault or my wife's and the damage was under $1,000 I had the other people not report it to thier insurance, and I didn't report it to mine. I paid out of my own pocket. I don't understand why people go through insurance companies for little tiny claims. It's just silly.