Reply to Got hit by uninsured - file claim or deal with privately

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[quote=Anonymous]Got hit pretty bad (read-ended) by uninsured driver. Police report filed.

Driver of other car didn't speak English much but through my broken Spanish and his broken English he said he would prefer to pay for damages privately.

I would estimate damages will be 4-6k.

Insurance said I could claim under collision insurance and they would cover it with $500 deductible. They would then "go after him." (Sounds horrible).

Or I tell him cost and see if he pays. But based on a number of factors I have a hard time believing he could come up with the cash and I don't want to do a private payment plan.

I want to do what's fair, and I feel like I'm justified in filing the claim and not going out of my way to help him avoid the consequence for not having insurance. He had a drivers license in the state so I assume he's not without papers, just maybe didn't get around to renewing insurance?

I do feel bad, but really don't want to be in the hole 4-6k for something that was not our fault and also preventable had he had insurance.

Wwyd?[/quote]

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