<prompt> Human: So my wife was parked on the street and our neighbor across the street was backing out of their driveway when they backed into my wifes car. Theres a decent bend on the left side bumper and around the gas tank opening. We only have plpd on our cars 2002 honda civic but our insurance agent said their car insurance should cover the whole thing since the car was parked and no one was driving, so its considered property damage. Come to find out, they didnt pay their car insurance this month and so there is a lapse in their coverage. They kept giving us this sob story about how they are struggling financially, we feel bad since its an old car but we feel they need to cover the damage. Whats the best route to take?  <response>: Take pictures, gather evidence, sit down right now and write down everything that your neighbor said and the order of events. Your memory isnt very reliable and it may take quite a while for this to play out, so a written record will make your version much more credible.The simple truth of the matter is that your neighbors owe you for the damages that they caused. While theres truth in the fact that you cant squeeze blood out of a turnip, they broke the law by driving uninsured and now they are trying to sob story their way out of it.File a police report if theyll take one, contact your insurance and see if they will cover you under uninsured motorist coverage. Im guessing that you dont have that coverage since its an older car or the deductible is less than the damage.If your insurance isnt going to cover it, go and get the work done as cheaply as possible. You can probably get the dent pulled and maybe even replace the bumper yourself. I wouldnt aim for perfect, just good enough. Save your receipts and then sit down with your neighbor. Calmly tell him that he needs to pay for the damage and you are willing to accept a payment plan. Try to focus the discussion on the payment plan rather than the issue of whether or not he will pay.If that doesnt work, youll need to go to small claims court to get your money back. 