You don't OWE him shite since you had insurance and there was no loss. Your dad makes a good point though. $50 would be a nice gesture, but in the future try to work out all the details in the front-side of it. Since nobody has a credit card which comes with automatic accident insurance, the guy that rented IS the one taking a bigger risk and I can see him being compensated for it, but sounds like all y'all are pretty broke, so $100 seems like it would be punitively high and I think he's being a jerk for that.
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Pay him for a good thing he did for you and your friend. he didn’t have to and shouldn’t have done that. You and your friend should take care of yourselves for whatever you need to do in terms of money, travel, accommodations…
next time, don’t mix friendship/roommate/family with money. if you just… be grateful. Keep the relationship… make the money…
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