if you aren't a lawyer, get one. i was involved in a car wreck in aug of 02. woman hits me as i was stopped at a red light, then she drives away. found her the next day. she had no insurance. had to sue my insurance company to collect on the uninsured motorist coverage. they settled with me last month for 65k. not nearly enough imho, but better than nothing and oh yes btw, the lawyer took 22k. still left me with 41k with which i bought a new 05 xt limited obw 5eat. no i did not pay 41k for the subie, i got a great deal of only 25k. i love this car. there is no one in this world except your mom who will look out for your rights, so get a lawyer and sue that kid back to the stone age.