Cases like these that make me think there should be an IQ requirement for getting your DL.

I totaled a Mazda SUV about a year ago when an unlicensed, uninsured, illegal ran a stop sign. T-boned her back passenger side going 25 and bent the frame. Went through 6 weeks of bullshit with the insurance she claimed to have, only to find out that her illegal mother was now being investigated for insurance fraud because of my claim. I ended up having to go through my insurance who, to their credit, handled the situation very well.

I hope everything turns out alright in your case.