The first time - my car was hit by a behind car near a Stop sign (downhill). She was at fault and nervous. We let her go because we didn't know how to handle it at that time.

The 2nd time, my neighbor hit my car in our parking lot. He is a truck driver and he admited his mistake immediately. It was his brother who is a lawyer argued with my wife and me. We went to car workshops and got estimates of damage. We nigotiated with them and got them paid my car's damage (a few paint scratchs). - We used our right. The payment was worth of our time and effort spent (cool).