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Thank you so much for your prompt answer! I do have uninsured motorist coverage, however, it will mean paying a deductible ($1,000) before it covers damages. This seems completely unfair and does not sit well with me on principle. I was working while this happened and it has left a very...

My car was hit by drunk driver driving parents' parent's car, her insurance claims she is on 'excluded list' of drivers and won't cover damages from the accident. The police report lists her as fully responsible but it doesn't seem to help me. What can I do?