Legal Question in Personal Injury in Illinois

I got into an accident on private property. Police were called but they refused to file a police report since it was on private property. Me and the other party exchanged information and the police checked over it just to make sure it was correct.

Now my question: If the other party files a claim with my insurance company, how will they know that it's my fault? It's my words against their words. If they file a civil lawsuit against me, wouldn't it be the same: my words against their words since there is no proof?

I would like to pay them for damage (about $50 to fix a headlight that came off loose) but they seem like shady people. The guy wanted $500 in cash to fix a simple headlight. Even the cop said it would cost about $50-$75 to fix. I wouldn't mind just paying $100 or even going to a body shop and paying the body shop directly for the damages. I'm just worried that the guy might purposely damage his car (it's a crap shoot to begin with) to get more money out of me.

Should I be worried?

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