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if you dont have enough money to pay back RACQ, they accept you pay them little by little without interest rate but you need to tell them that you must pay them back and let them know that you will have that money.

any damage to car is always very expensive to repair. even though you only have a little hit at the back of another car and there is no damage seen on the car, you still need to pay $500! i have a car cost around $5000 before and someone hit the coner back of my car. i take it to merchant personally who give me a quote which costs $2000!

see which car you crashed and how serious you did.

even though you talk to the owner of the car, i dont think your cost will be much less.
if you only pay him/her a cost to fix the car, why dont they allow RACQ to do for them?