Talk to Progressive about going after the driver anyway. If they get any of their loss back in a settlement or judgment you are entitled to the comparable portion of your deductible back. If they get say 40% of their costs back, you get 40% of your premium back. Plus their lawyers do this for a living and you don't have to pay anything for their services if they do go after her. Wouldn't be fast if they do but maybe in a year or two you'll have a surprise check in the mail for a few hundred bucks.
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