re: auto insurance question

quote:

---

If you have uninsured / underinsured motorist coverage, it would apply here obviously. Comp/collision on your car will cover any damage to your car if you don't. If you have only liability coverage, your only option is to sue the person who hit you directly--if they have any assets worth attaching/collecting. You could also name the insurance company as a party defendant. Depending on the nature of your damages, their insurance company may make a business decision to resolve your claim rather than fight it (assuming you're only talking about a few thousand dollars of property damage and not a personal injury component).

---