If you are not a lawyer, feel free to offer me advice too! In fact, any word of support is more than welcome. Long story short: - guy hits my car, agrees to pay, then decides to use his insurance. - his insurance tells me they are going to pay only 50% of the damages because he told them it had been my fault. - i talk to the guy in-person, and he tells me he never told the insurance company it had been my fault, but that he didn't say it had been his fault either. - i talk to the manager, and he assures me the guy did say it had been my fault. he says they have his recorded statement, but refuses to let me listen to it. they are going to try to reach him, and see what he says this time. So what do I do? Sue the guy? Sue his insurance company? I didn't get anything in writing, because the guy is a professor at the university and all, so I thought he would hold to his word. But, I do have a witness, that did not see the accident, but did see the debris on the floor, and did see him saying he would pay for the damages. Also, most important question. Let's suppose I recorded our conversation where the guy says he never told the insurance company it had been my fault. Would it be legal to tell the insurance company I have the recording? Would it be legal to give them a transcript? Would it be legal to give them the actual recording? Would it be legal to use it in court? I am in California. Thank you guys for reading. I can write a more detailed version of the story if anyone is curious. EDIT: I don't have coverage, only liability insurance. My insurance company is the same as his: AAA.