The other persons insurance unless they do not have insurance if you have full coverage your insurance company will cover it usually including you pay your deductible and in both cases you can't take them to court by filing a small civil suit and making a report in the police station. Assuming you have a plate number or name that identifies the other party they will be obligated to go to court and if they don't they will recieve a bench warrant or also know as FAT warrant either way these things do take time but each step is a step closer to you winning your case and well deserved compensation
Answer: Early adopter
Explanation: Individuals or groups who buy into a company's product before many others are called early adopters. Early adopters usually get a feel of the product or services before it becomes popular having already experienced the benefit and shortfalls of the product or services before many other individuals within the community.
Being among the first set of users or consumers, product manufacturers and impending consumers rely on early adapters to provide update about product shortfalls and general verdict on product performance.
Humans shouldn’t fidget with the course of nature, because it leads to more and more problems.