Q. If I did contact the owner and offered to pay for the repair, (to avoid contacting the insurers) and I have a place that fixes at a lower rate, but the car owner wants to go to the dealer because he gets a rented car, do I have to agree? (Sequence to last question)
The owner is frum.

A. Horav Shlomo Miller Shlit”a suggested that the injured party, if the repair is of equivalent quality, should accept the lower rate repair. However, ethically or Bidey Shomaim the injurer should offer to pay himself for a lower rate car rental.

Rabbi A. Bartfeld as revised by Horav Shlomo Miller Shlit”a