An uninsured motorist hit my car. What are my options ?
Some idiot ran a stop sign and hit my car. He got cited for running the stop sign, and for not having insurance. I've got the police report and all of that.
I've got a couple of estimates - it's about 2000 dollars to repair. The damage is almost entirely cosmetic, but rust is a concern where the paint was removed on the bottom and underside of the body. I already had the door fixed so that it will open. The truck is a 2009 Tacoma. I have uninsured motorist coverage, and the deductible is 750 dollars.
Looking him up on CCAP
reveals that he's been cited a few other times in the past few months, and that someone else has obtained judgment against him for about 800 dollars. He hasn't fulfilled any of those obligations (around 1800 dollars in total). He hit me with a POS 95 Beretta in really bad shape.
So, should I pay to get the truck fixed and go after him myself ?
or, have the insurance company do that, and just pay the dedictible ? Will this affect my rates ?
Not fix it and still go after him for the lost resale value ?
Some other option I haven't considered ?
I'm pretty PO'd about this, and Mrs. Fuzzybutt is of the opinion to just let it go. I'm not real sure what to do. I'm not real confident he's gonna be able to pay, and I really don't want to have to lay out 750 dollars just before the holidays - But I do want some compensation for either the lost resale value or the repair.