Just a thought, back a couple of pages ago someone mentioned being hit by a kid with no insurance and living with his parents. Here in Florida (and I believe other States) if you have an Un-Married Child under the age of 26 (IIRC) you can be held responsible for damages done by that child. Usually your Homeowners Insurance would kick in but this is something that everyone should be aware of.
This situation happened to a friend. There 24 year un-married old son was living with them and got into a Bar Fight. They were sued and were found responsible for the damages.