[pzero]

Sorry to hear about your accident. If the other party has auto insurance, have them pay for repairs, do not use your uninsured portion. It will go on record and increase your insurance premium.

In the past this same thing happened to me on my daily car. Son drove mothers car and rear-ended me. Other insurance claimed they would not cover because of unauthorized user. Well, I call the other insurance company and threatened to sue them. They agreed and proceeded to for repairs. This was my argument.

"If you don’t fix this, I will sue you for car damages, no work compensation, injuries to my back, and my lawyer fees. If you do decide to fix this, my car is the only thing that needs to be fixed. You decide and let me know. You got 48 hours till I proceed."

Sometime you have to threaten these insurance company if not they will take your lunch money. I didn’t take advantage of them, I was straight up with them about my repair. Now about your Z records and depreciation down the line is another issue I cannot say about. Good luck.