If you aren't going to be filing a claim
for the accident then the two of you will have to settle on a final dollar amount. Unfortunately, the other driver's insurance status does not impact fault in the accident so he could potentially file a claim with your insurance company if you can't come to a resolution. You may want to consider the possibility of contacting your insurance company if the two of you can't come to an agreement. Wait to hear back from the other driver about the repair estimate first before you make a decision.