Oh, wow... so much wrong here.

No call to the police with a rear-ender possibly caused by impairment? Ouch.

Looking for payment methods just a few hours later, almost certainly before he's had a chance to go through the reporting process with the police, his employer, and his employer's insurance? You expect reading your "hours later" texts aren't likely to be the top priority in his life?

You realize that insurance payouts can take weeks or months while the insurance companies and their lawyers work things out, right? Never mind that they wouldn't know how much to pay out until you've gotten your damage estimates.

You obviously have a rather delusional idea of how long it takes to go through the process. When my wife got rear ended about a decade ago it took well over a year for the game to be played, which involved ignored letters, court dates, and even the other driver having a bench warrant issued.

Payment details arranged within hours... riiiiiiight.