OP here, It is not about the money, it is about, a sense of fair play. Why does someone get to violate the law, cause injury and monetary harm to another party and then just skate.
Another poster a few pages back, commented folks without insurance may not be deadbeats, but have fallen on hard times. I get that, and am sympathetic to a point.
So will this gal, who hit my DD, take any responsibility nope. Not her fault you know, she needed that big screen TV, and that trip to Vegas. All much more important that paying that pesky insurance bill, and thinking about others.
That is my beef and opinion,