<prompt> Human: My fiancée was driving to work early in the morning, going down a highway with a speed limit of 55 mph. A guy wearing all black was walking in the middle of the road, and my fiancée didnt see him in time to avoid him.She called 911 immediately, police and ambulance came. The cop I spoke with at the scene told me he could smell the alcohol on him. The guy she hit REFUSED all treatment and was released to his girlfriend. The police report shows that the investigator at the scene determined he was drunk though no breathalyzer test was administered and that the debris from the car was in the middle of the road.Neither of our insurance will cover the damage. Ive gotten two estimates, both over 2000.00, and Im wondering what I should be doing now. I wanted to go talk to him in person, but I dont want there to be a confrontation. I asked the police if they could send someone over with me to keep things civil, but they said that if I didnt feel comfortable going in person that they suggested I just write him a letter. Or do I sue? Also, now my insurance called asking for more details because he has a broken arm and is wanting my insurance to pay...If my insurance company pays for his injuries, what does that mean for me? Do my rates go up? Doesnt that mean that the insurance company will then have to fix my car since I have liability coverage? Thanks for reading. Any help would be great.  <response>: Liability coverage will cover his injuries up to your coverage limit. They do not have to fix the car, this would be the case if you COLLISION coverage, which you dont. His AUTO insurance may or may not be liable for anything since he was not in an automobile when the accident occurred. Not all policies carry this coverage. Your rates will go up for making the claim. I would hire an attorney if you think this is legitimately not your fault and have the documentation to support that claim - assuming you do not live in a no-fault state.Either way, there is no way anyone is paying for the damage to your vehicle unless you sue the pedestrian and win damages. 