Yep, that is the dilemma i am faced with right now. Let me tell you what had lead me to this point. About 30 days ago we woke up to find out that one of our cars war hit by another car. The car that hit us was gone, not there. We later found it around the corner. It was there because of course it could not run any further. So they left it there and ran. By now this was obviously a hit and run. So i proceed to call the police. They come out and take all the information down, proceed to file a warrant against the person that was driving. Turns out this person had already been in jail for another hit and run and it had not been 4 days since his release when he hit our car. So the cop is getting the car towed. Then the kids parents show up. Raising all kind of hell because they are towing their car. The cops asks them to provide insurance. So they do. I proceed to call their insurance and place a claim. 10 days later i get a letter from the insurance saying that they denied the claim. They say that the kid was not covered. So they cannot provide coverage. So i proceed to call my attorney. They send out a demand letter. They then get a letter back from these people stating that they were sorry, and that they cannot pay us, so to proceed with what ever we were going to do. My attorney says that i should file the claim, and sue them, or forget about it. But the damage is pretty extensive to our vehicle. It will take around 6k to get it fixed. So now i am will be out of pocket for 6k, plus all the court fees and attorney fees. According to my attorney, this kid is back in jail for this. He also stated that these people were selling their house, which i already knew, but that if a judgment is placed on them, this would prevent them from being able to sell their house until they payed off the judgment. I am really confused by it all. I want to sue, but then i don't want to go through all the hassle of doing it. NOTE: I am not a sue happy camper. I hate it, so this is one of the major factors for this as well. So your input will help me out a lot on this. What ever course of action i decided to take, i have to do it ASAP.