Z just got backed up into...

Togo

Well the insurance company is likely going to go after them to recoup any money they spend to repair your car and might also go after them for your deductible.

Since it's a company that is liable for this, I would think that a lawyer would have no problem recovering 100% of the costs to repair the car to new condition.

It's really just up to you as too how you want to handle it. Consult your insurance company and see what they tell you. They will likely make recommendations to you or at least spell out your options. As I see it, you have the coverage so you can let your insurance company sue them or you can sue them and not file a claim with your insurance. The only benefit I can see of you suing them is to avoid increased premiums. If your insurance isn't going to jack your rates on this, I'd let them do the suing.

A similar situation happened to me recently but the other driver was insured. My insurance company sued them since they were cited as being 100% liable for the accident. They recovered 100% of the cost to repair, including deductible, and rates remained the same.

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This will decimate all after you put about fifteen grand in it or more, and if we have to, overnight parts from Japan.

Joe Clem and Koeppel Nissan