Auto Insurance Claims: Insurance rights, washer fluid, insurance company


Question
I was involved in an small accident in a parking lot last year. It was my fault, and I damaged the front passenger fender. It dented it the front left corner and the washer fluid holder behind it cracked. I didn't have insurance at the time, and I'm gonna pay out of pocket. His insurance says I owe them $2,000 some odd dollars. Now his damage did not look like it was that much. Now the kicker is, my dad had just bought the car I was driving a few days before and it was under his name,so under law, the car was covered in the accident. I was not on my dad's insurance, and I didn't want him to pay for my mistake.Now when the other party's insurance company was contacting me they really wanted to know if I had insurance or not. The difference is, if I did have it, his deductible was gonna be $1,000. If I didn't, it was only gonna be $200 and he wasn't gonna proceed with a claim til they had found out. Now the damage to me didn't look more than $500. Now I honestly believe that he knew that it wasn't that much damage, and that's why he wanted to wait to see if I had it or not. If I did, he was just gonna pay to fix it out of pocket b/c he knows that it wasn't  $1,000 worth of damage. ANd now his insurance company is hounding me for their money. My question is, do I have a right to demand to see proof from his insurance company of that damage? ANd do I have the right to request to see the bill for his repairs? I just feel like I"m getting f****d over. How do I know that's how much the damage was? Can I request an appraisal for his damage? What are my options?

Answer
Yes, the other insurance company must provide proof of the loss and this should include pictures of every item on the estimate.
Do keep in mind that due to the memory of metal and plastics, many items behind a bumper and fender can become damaged in the split second before the outer pieces return to a more normal position.  There are also extensive costs involved in blending the color onto adjacent panels, so it really doesn't take much for repairs to hit $2000
However, the burden of proof is still on the insurance company.
If they cannot show you pictures, then I'd agree to pay for only the damage that you remember.  If they want to pursue the matter further, then let them because you will then be able to make the same demand in court.  
Let me know how it turns out.