FAQ: The other person did not have enough insurance. What do I do?

Q: I was involved in an accident and my car was damaged. The other person did not have enough insurance to pay for my repairs. Now what?

A: Hopefully, you have collision coverage. If you do, then you can go to your insurance company and get them to pay for the damage to your car.

If you do not, you have two options. First, you can take the other person's insurance company money and not have enough to fix your car. Second, you could file in small claims court without taking the insurance company's money and then try to collect the difference from the other person directly. (Go see my prior post about trying to collect money from these people after a small claims court case.)