Just look at all the problems people have just getting something done correctly when they are paying for it. If u use your insurance company they make it correct. I have even had my insurance company pay for repairs and counter sue the other company to collect what was due for the repairs. Complaining to the persons insurance company that is at fault HAHAHAHA. Good luck! U as an individual take an insurance company to court? What about the next time you fill out that form asking about your driving history?