Paid the other driver cash to settle it privately — now he filed a claim anyway. What do I do?

Ugh, almost the exact same thing happened to me two years ago. Guy swore up and down he just wanted cash to fix it himself, I paid him, and two weeks later — surprise — an insurance claim. The good news is I had his texts too and my insurance actually took them seriously. Forward everything to your insurer ASAP and let them know there was a prior private settlement. Don't wait for them to ask.

The other driver is absolutely playing both sides here and it's more common than people think. He gets your cash PLUS potentially gets the insurance company to pay for repairs or a higher 'injury' claim down the line. Your insurer's adjuster is not automatically on your side either — their job is to close the claim cheaply, not to vindicate you. Make sure you're the one pushing your own evidence forward proactively.

I used to work claims and I'll tell you — adjusters see this scenario occasionally. Here's the inside view: that payment app receipt combined with a text message explicitly saying he's 'all good' and won't pursue anything is actually meaningful documentation. When you talk to your adjuster, don't just mention it casually. Send them screenshots immediately and frame it clearly as a prior settlement agreement. It won't automatically kill his claim but it absolutely changes the conversation and could expose him to a fraud issue if he's collecting twice.

What you have could potentially be considered a verbal/written release of claims depending on your state — basically he agreed in writing (the texts) to accept payment as full settlement. That's not nothing. I'd strongly suggest at least a free consultation with a personal injury attorney, not because you're suing anyone, but because you may need to understand your rights before your insurance company makes a determination that hurts you. Many PI attorneys will give you 20-30 minutes free just to look at a situation like this.

Stop texting him. Seriously. Every message you send him right now could be used in ways you don't anticipate. Screenshot everything you already have, back it up somewhere safe, and let your insurance company and possibly an attorney do the talking from here.

Just want to flag — sometimes people feel fine right after an accident and then start noticing pain days later (whiplash, soft tissue stuff). If he's now claiming an injury, that window is actually plausible medically, even if it feels suspicious given the timing. Not saying he's being honest, just that insurers will take that argument seriously. Worth being prepared for that angle.

I'm so sorry, this is such a stressful situation. You acted in good faith and he completely took advantage of that. Please don't beat yourself up — a lot of people would have done the same thing trying to avoid the hassle. Just focus on protecting yourself now and get someone in your corner who knows how this stuff works.

Quick question — when you say he texted you that you were 'all good,' was it explicit that he was agreeing to drop any future claims, or was it more just a friendly acknowledgment of receiving the money? There's a difference and it matters a lot for how strong your case actually is.