I fully agree! But you may weigh this all out, such as, if you go after the owner of the car, and possibly the driver, this would mean that you'll have to hire an attorney, file a lawsuit, go to court, before winning anything from them.

And if they don't have much money to begin with, you may have to wait years before complete settlement.

On the otherhand, I would doubt your premium would go up much if at all if you file a claim.

You should talk to your insurance company, or maybe someone here who has been through this kind of wringer can shed more light.

Sorry that you have to go through all this b___s___