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@raytheon Consider this an expensive lesson. Get no less than $100,000 in PD liability coverage for the future.

@bonbonmon Call a local independent agent and get quotes. There is no way for anyone on Reddit to know which insurer will offer you the best rate.

@adonai1 A 17-year-old driving a Golf R... yep, that's an appropriate premium, because actuarial tables say he's going to wrap it around a tree. The loss numbers for young drivers in high-performance cars are not good, and insurance is priced accordingly. All you can do is shop around to other...

@readercuthbert Police don't determine fault. They aren't civil judges. If you have no evidence beyond your word, then yes, why would the other insurance company believe you over their client? File with your insurance company and let them wrangle it out (subrogate) with the other driver's insurer.