It’s understandable that this situation is causing concern, especially since you’ve already made payments toward the damage. If he does contact your insurance, they may open an investigation and handle any further negotiations or payments on your behalf. Since you’ve admitted fault, it’s crucial to inform your insurance company as soon as possible. They can provide guidance and potentially cover any remaining costs within your policy limits. Be sure to keep all records, including the Zelle payments and text conversations, as they could be helpful in resolving the matter.