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Yesterday I was involved in a 3 car collision (I was the middle car).
Heres how it went down. We were coming up to a light it went yellow and the guy in front of me slammed his brakes and stopped at the red. I hit my brakes and came to a complete stop probably about 2 feet behind him. The guy behind me wasn't paying attention and hit me in the rear doing 30-40mph approx which slammed me into the guy in front of me. So we get the cops out and it turns out that the kid who hit me was driving on a suspended license with no insurance. They handcuff him up and I figured they would take him down and impound the car or something. Then while I'm on the phone with my insurance I see them let him go and then after they drive off he gets back in his car which was still drivable and drove off.
My car is old and crappy I payed 2000 cash for it about a year and a half ago so I only had the lowest insurance I could which means that my car is not covered for something like this since the other guy does not have insurance. The police said that basically I didn't have much in the way of options outside of working some kind of payment out with him or taking him to small claims court. This kid looked pretty young I would guess 18ish may have been 17 I don't really know.
Basically what I'm trying to figure out is what to do here. The car runs but the frame is pushed into the tire so I can't drive it. At this point its probably going to be more economical to just buy a new car. I was planning to buy a new car anyways. I really have no idea how to go about taking this guy to small claims. I am planning and calling him this afternoon to see if he wants to work something out between us but I really doubt he will. So am I pretty much screwed or is there anything I can do here?
The other thing I am worried about is that since the guy at fault didn't have insurance I am scared that the guy that I hit will say it was my fault just so that he won't have to deal with the hassle of the whole "no insurance" thing. When we first got out of our cars I talked with him first and told him the other guy pushed me into him and he said "yeah I saw its not your fault" but really there isn't anything to keep him from changing his story when he talks with the insurance companies.
As for the police letting the guy go and drive his car home (the no insurance guy) is this a normal thing to do or should I be calling the police station to see what the whole deal is here.
Just looking for any kind of advice you guys can give. Thanks!
TL;DR got in a car accident, not my fault, guy didn't have insurance how do I go about getting money for my car and how do I keep myself from getting screwed by the other guy?