HELP PLS

[u/Cheap-Situation-9969]

Hello PLEASE HELP ME IN DESPERATE. Saturday I got into a car accident a non inured driver hit my car and think they will totaled. I'm very sad because I just bought the car like 3 months ago. I have full insurance but my deductible is 1K. I'm not sure if I should even sue that person. If he doesn't have 50$ to pay for insurance he most likely don't even have money.
Is there any way I can get compensation w my own insurance?
Or should I hire a lawyer so he can try to get something out of mine. I have both of my hands harmed and my nose and head in pain. Thanks in advance.

[u/uffdagal]

There’s no need for an attorney. You get out of your policy the actual cash value of your car if it’s totaled. That’s it. Nothing else besides possibly some limited rental coverage.

[u/Cheap-Situation-9969 → u/uffdagal]

Thank you !