<prompt> Human: So my step brother hit a curb and caused 6,000 min in damage. He doesnt have car insurance and im not on the insurance because its my moms car. The problem escalates down to that my mom already filed a car accident where she hit a pole on June 1st. It was obviously her fault and she paid the deductible and everything. That being said. My step brother doesnt want to take the blame at all because of problems with my dad etc. Im wondering if it will be more efficient less of a hassle to just kind of tell him to take care of it in any way he can or go through the whole insurance process. I think my fear is that my mom wont be able to file another claim, or get kicked out of her insurance company.  <response>: I dont really understand what your question is.You have limited options and they are pretty straight forward.1. Insurance pays. Pros: Only way car is getting fixed if no one has the money to pay. Cons: Rates will increase and yes they may drop her.2. Someone else pays. Pros: Insurance doesnt have to know about it, rates dont increase, policy is safe. Cons: Someone needs to come up with 6k. 