<prompt> Human: Hi,My parked car and 3 others were hit by an Uber driver that fell asleep at the wheel. I submitted a claim with my insurance and they told me that in order to help me I would have to pay my deductible and they would go after the driver. I have a 1,000 deductible that I do not want to pay, so Farmers gave me the insurance of the driver and told me that I would need to go after him myself. I called the insurance company and gave them all the information. They said that they are aware of the claim and that their driver is at fault have police report, but that he only has 10,000 to cover all 5 cars. His car and the first car he hit are totaled. My car and the other 2 have front and back bumper damage. I have a quote for 3,800 for repairs. I was told by the adjuster that they would only pay a pro rata share of the 10,000... basically, I can expect a couple hundred bucks. My car is worth 5,000 on a good day. I owe 8,000 I drive roughly 30,000 miles a year, so my car depreciates fast. I can pay the 8,000 off if I need to. My damages to the car are almost 4,000. Luckily, the car is drive able for now. What should I be doing to make sure I am not going to get royally screwed here? Should I just pay the 1,000 deductible to my insurance and call it a day? Should I take the money from his insurance company and go after him and Uber in small claims? Any suggestions?Thanks  <response>: Put the claim through your insurance, they will pay out minus deductible most likely send you a check, some will set up payment to the repair place themselves and once the claim is settled, if you are not at fault you should be reimbursed the deductible. The insurance company will go after the UBERs insurance company, then UBER and finally the driver.If your insurances does not reimburse you for your deductible, take the driver to small claims to recoup it as long as its proven to be his fault.Lastly, if you feel 1k is too high of a deductible, look at lowering it. If you cant afford to repair your vehicle with that high of a deductible, then it is an issue. Lowering it even 500 will most likely only be a small increase per month. 