I was driving my grandmother’s car and am not listed as a driver on her MetLife insurance policy. Her car is registered in Rhode Island and I was driving it in New York. I made a dent in the driver’s side quarter panel above the wheel. (It was dark and he was parked in a driving lane of the parking lot.) The car is a leased Audi. The dealer gave a quote of about $1755. The lessee will get a quote from an independent shop today, but he is very concerned about repercussions for taking his leased car anywhere but the dealer. Ideally I would like to pay for the repair out of pocket, but 1755 is far, far more than I can afford.