I do not have collision coverage so progressive (my insurance) have washed their hands of this entirely claiming there is nothing I can do but take this to court. The repairs are around $5500, but the car is still very much drivable. I have the kid’s (who hit me) cell phone number but I really don’t feel comfortable calling him myself. The other insurance is called acceptance insurance. I have filled out a ton of paperwork and sent it to Acceptance as did my repair shop. I am really at the mercy of this 20 year old kid?