little insurance.? The person at fault cannot even pay for the damage done to my car. I had a rental car, but it was taken back because they did not have the money to pay for it. So what is going to happen here. It will cost me a fortune to fix the car. I imagine that my rates are gonna end up through the roof. This isn't fair!. What should I do ?


Will Update as needed.
Sadly the kid is rather poor, I believe. I don't think that I can even sue him, he has no money. I would feel bad about this.

Its not fair at all. It sucks. It happened to me once, the guy hit my car with his friends car, and he did not have a license. So my insurance had to pay for it all, and yes, I had to come up with the deductible!
Sorry

Your own collision or underinsured motorist coverage will 'gap' the difference up to your limits. Your insurer will then deal with recovering the funds from the other driver.

People who can't afford to be financially responsible shouldn't drive. Nobody ever said driving wasn't expensive. Sue them.