My husband and I own a tire shop , a young lady purchased a tire from our Used Tire Shop ,and stated that while on the road the nuts fell off and caused damage to the front end bender.My husband replaced the tire , and the lady asked for half of the deductible to file a claim on her insurance . My husband denied paying the lady half , and she stated she would then get the damage appraised, and would like my husband to pay or she would take it to small claims court. My question is what are our legal obligations in this scenario, and what are her odds of winning the case !? She has no receipt or no police report . How can we as a business protect ourselves!?