* Bogeyman,

I have insurance. I am assuming the taxi has insurance also.

But my feeling is the amount involved will not be covered by my deductible (or participation fee), so I might as well not involve the insurance company.

Of course, if what turns out to be the fair amount is way much higher than my participation fee, then I will let the insurance company cover it.

As for harassment, I really wouldn't worry about that. Besides, I am dealing in good faith with every intention to pay a fair price for the damage.

Thanks.