That is the question. My Wife was rear ended in her New 2018 CR-V. She stopped behind a city bus while it was at a Bus stop. The driver slammed into the rear about 20 seconds later. The driver was not a listed person on the owners insurance policy but was given permission to drive. The police called me to let me know of the accident. The Officer informed me that he witnessed the accident and that the driver would be ticketed as the at fault driver. The Damage at first look is not too bad. Bumper cover and the trim is smashed up and popped off partially. Bent the exhaust pipe on the D/S muffler. My wife was in pain from her neck left shoulder and down her spine. It was worse the next day. We went to the DR. to evaluate her injury. Florida Law is you must do that with in 14 days of the accident. Now I find out that the owner of the car that hit her did not purchase Bodily injury and his insurance will not Honor any claim for injury. Plus he only had 10,000 in property damage. Today we took the car to the body shop that the insurance company recommended. The owner of the car that hit her and I both have the same insurance company. I requested to have nothing but OEM parts used and the Adjuster Balked. He said that their policy was to use aftermarket if available unless I agree to pay for it? That is when I got pissed. WTF I have had the same insurance company for years. I have spoken to at least a dozen insurance people about this claim and they keep telling me I have to talk to at least one more. They have an adjuster for every little thing. I am not feeling good about this whole mess. Would any of you folks get a lawyer at this point? I doubt the driver or the owner has a dime. His insurance won't cover everything. I will be using my PIP which is normal. But we should get reimbursed for the charges over the cost of anything not covered. My deductible for PIP is 1000.00. The car that plowed her was a 99 Prizm. I looked up the driver's record and saw that he had an open case for driving without a license W/O Knowledge of revocation. The license was not surrendered? The guy did not pay his fine. I did not hear anything from the officer about that. The charge was 4/8/2018. How could he have a license if it was revoked and the case is still open due to multiple failures to pay. Rant off. Any opinions would be appreciated. sorry to ramble.