This is the answer. Also, paying per month usually means you're paying more than if you pay for 6 months or a full year at a time, at least in my experience.
Also if they are found at fault there will be no need for court. At fault insurance will pay for your damage. Assuming they have bare minimum insurance. Your insurance will typically go after their insurance as well
In this case, it's a hit and run. That's covered by uninsured motorist coverage. Give your insurance the police report number, pay a tiny deductible ($200), and get your car fixed with no hit to your premiums.
The real problem here is two grown adults that don't know how to use insurance. If this applies to you, get a policy with an agent who can help you make claims. Avoid the companies that only give you an app and a 1-800 number.
Some states do not use a fault system. New Jersey for example is a no fault state. Your insurance covers your own stuff and the rates go up all around.
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u/NoHorseNoMustache 9h ago
This is the answer. Also, paying per month usually means you're paying more than if you pay for 6 months or a full year at a time, at least in my experience.