<prompt> Human: The title is the TLDR version. Additional info below. QuestionI have contacted my insurance company but since I dont have collision insurance on the Golf, they will contact me when the police report is filed so I can file a claim. My neighbor has homeowners insurance and has called a lawyer.What happens if this kid has minimum coverage or no coverage and it runs out before everything is covered? My neighbors home is more important to me than my car, despite how much I enjoy it and what it means to me. Plus, I know Im in the hole either way if the frame is damaged. Ill never get what I paid since its in a semi-niche market and depreciation is atypical. Is there anything else I should do? BackgroundAfter a college ball game, some dumpster fire hit my wifes car, then my car, then over-corrected and slammed into the front of my neighbors house. It was the first cool night in a while, and one of their good boys was sleeping outside. He went under the car, and was pinned under the car against the house. He was probably further injured when the driver tried to flee the scene and dragged him out a few feet. They had to put him down later in the day. I still dont know why the airbags didnt deploy, I guess the house absorbed most of the impact. The first floor wall was was pushed in enough to trap Mr Neighbor in the living room and Mrs Neighbor upstairs.I was the first one there until a few more neighbors started showing up, followed by police, etc. I was out in the rain in my underwear helping dig the dog out of the rubble and helping calm down the homeownersdogparents until first responders arrived. Once the pros were on scene, I went and got dressed and started looking for additional damage. I remembered hearing smaller crashes before the big one, it turns out he hit my wifes and my car before crashing into the house.My wife bought her car new in 2012, and has collision insurance on it, and has damage to the rear fender and bumper end. I think we are okay with her car. My car is older, and very likely totalled. Hindsight is 2020 and I should have put collision on it. I saved up for a little under a year thanks PF and YNAB! and finally paid cash for my dream car in July. The driver hit my front wheel pretty hard and clearly pushed it in. The control arm is broken, and Im worried there was structural damage to engine mounts or the frame. Its been pouring for three days, so I havent been under the car yet.So, Im no expert, but he destroyed a load bearing wall on a 60 year old home. The addition is leaking opposite side of the home which suggests significant damage. They are no longer able to open their basement door near the crash site. This house might need to be rebuilt, but either way Id guess a minimum of 100k on repairs on a house barely worth that much. Not to mention they are very likely to sue for emotional damages for loss of their dog. They are also the type of people likely to seek a payout in most situations, so theres that.EDIT: Thanks for your help, everyone. Keep in mind Im not looking for moral or ethical advice, I know where I stand on that. This is rpersonalfinance, but I do appreciate the encouraging words. That said, upon reading here and additional research, it looks like this will be treated as three separate incidents by the drivers insurance, so our reimbursement will likely be unaffected by repairs to my neighbors home. All I was saying was that if for whatever reason the need arose, I would have eaten the expenses and handled the cars myself. Still will if I have to, but thankfully, that might not be the case.My neighbor has a copy of the police report today. I have not read it yet as Im still at work, but my wife called me. The driver blew a .21 on the scene. Several people I talked to in person, not so much here said his behavior could have been shock related after the collision e.g. I was shaking with adrenaline, he was calm and stumbling around. Sadly, I have several alcoholics in my life and I know piss drunk when I see it. I knew he was hammered, but is a confirmed DUI.RIP, my dude___For anyone interested: five speed, 2004 VW Golf TDI GLS. Single owner and garaged in Texas with under 100k miles. If you know imports and diesels, you know this car is worth more than Kelly Blue Book says it is and would have lasted me another 200k miles or more. I happily paid 7500 for it as it had brand new rubber and a brand new clutch and flywheel about a 3000 work order. I was averaging 32MPG in city traffic, and 45MPG on highway, where my truck gets about 2117. I love this car, and its the first vehicle Ive ever owned that I was proud of.  <response>: This sounds absolutely horrifying, Im so sorry for you and your neighbors. May the good boy Rest In Peace. 