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Other driver was not covered under insurance?

I was in a car accident where the other driver (to be referred as The Idiot) was at fault. The police were called and The Idiot was given a warning citation. The insurance company called me today to inform me that the claim was being denied because The Idiot was not an authorized driver under the policy. It appears that The Idiot borrowed the car from his father. Now I am stuck with thousands of dollars in repairs that it appears will be billed back to me. What are my options?

   








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I was in a car accident where the other driver (to be referred as The Idiot) was at fault. The police were called and The Idiot was given a warning citation. The insurance company called me today to inform me that the claim was being denied because The Idiot was not an authorized driver under the policy. It appears that The Idiot borrowed the car from his father. Now I am stuck with thousands of dollars in repairs that it appears will be billed back to me. What are my options?


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I was in a car accident where the other driver (to be referred as The Idiot) was at fault. The police were called and The Idiot was given a warning citation. The insurance company called me today to inform me that the claim was being denied because The Idiot was not an authorized driver under the policy. It appears that The Idiot borrowed the car from his father. Now I am stuck with thousands of dollars in repairs that it appears will be billed back to me. What are my options?


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Other driver was not covered under insurance?
I was in a car accident where the other driver (to be referred as The Idiot) was at fault. The police were called and The Idiot was given a warning citation. The insurance company called me today to inform me that the claim was being denied because The Idiot was not an authorized driver under the policy. It appears that The Idiot borrowed the car from his father. Now I am stuck with thousands of dollars in repairs that it appears will be billed back to me. What are my options?