You could take the driver to court.
@Molly12 And then you’ll have a piece of paper saying the driver owes you. Good luck collecting.
@Keith Yep, that’s the hard part.
@Keith I’m not sure I want to go that route. The driver was an 18-year-old kid. I’m not going to sue him over $10k. He’s already lost his car and probably has to pay for it out of pocket. I know what it’s like to be that age and make mistakes. I just didn’t understand why the insurance didn’t want to pay me directly, but now I get it after reading all the comments.