[moneyguru]

Here are the brutal facts as I see them:

* Your insurance has covered all they will cover
* The city/police evidently won't cover anything
* The City's insurance company won't cover anything
* The person responsible is the Drunk driver

Now if you had a high priced lawyer they would most likely name everyone
possible in the lawsuit in hopes those with money will settle, this includes
the City, Driver, Bar, Bartender.

What I recommend doing is filing suit yourself against the driver in your
local court. Based on the information you have provided I'll guess he
doesn't have the money to hire an attorney, try to use that to your
advantage.

Compile a list of your losses, including deductibles and your time. Include
things like depreciation to your vehicles because of the repairs that were done. Create a list of enough expenses to bump up the dollar amount as
high as possible.

What you need to do is a little research on what court in your area you
can file suit in. What I am hoping is that you could file a lawsuit against
the driver, with the videos/photos/police report it will be hard for him
to have any defense....what you are hoping for is he won't fight it or will
self defend and you can get a judgement.

Then contact a collections agent/agency and turn the total over to them for collections.

It might take a long time, and he could claim bankruptcy, but otherwise
this is the only way you'll ever see any money.