Damaged/Scratched bumper Motability Car -Quandary

Hi there everyone,

I am hoping you can advise me!

Today whilst out shopping, my car was damaged on the front bumper. It's basically just scratched paint work and nothing more than cosmetic.

What makes my experience rather odd and rare is that the lady who did it actually informed the shop I was in about the incident, and they found me by announcing my car reg over the tannoy.

She was waiting outside for me and was very genuinely sorry for the mistake, and had her personal details all written out for me.

I thanked her for her honestly and she requested if I would perhaps get private quotes for the work to be done rather than going through my insurance, as she didn't want to raise her premiums.

Now, the thing is I have a motability car on behalf of my son - he's only 8 and obviously can't drive himself, so I drive the car on his behalf.

I know this might sound like a crazy idea, but should I charge the woman for the damage given that it's a motability car and the damage will, I'm guessing, be covered by the scheme as it is only superficial and cosmetic?

I was amazed by her honesty, and I thought it might be nice to give a nice, honest person a break?

Or will I ultimately end up paying for this damage and be penalised by motability in some way if I don't get it sorted out and have the insurance use her details?

Or should I just get quotes and take the money and get the damage fixed privately without involving motability?

I guess I'm a bit soft, and this is really a moral quandary.
Any opinions and advice you have on the subject will be greatly appreciated!