I got backed into in my Tesla model S the other day in Washington state. It looks like he likely did at least $20,000 of damage. I use the car for work (driving Uber and renting it on Turo... gotta pay for it!) so this is a major bummer. So probably looking at $4,000 in lost wages and another $10,000 in diminished value.

The guy who hit me has insurance, but I am not sure what his limits are. Washington has a $10,000 minimum. Needless to say, this guy doesn't seem like he has much money, and I am not trying to ruin someones life here (he has Geico, I have Progressive).

His insurance reached out quickly and admitted fault, and were eager to take care of it.

So, is there a way to find out this guys policy limits? If they are high ($50,000 ) then there shouldn't be a problem.

If they are not high, then would there be an advantage of using my comprehensive insurance to fix the car, and quickly trying to get his insurance to settle the lost wages/Diminished Value before they get through arbitration?

It doesn't seem like enough money for a lawyer to get involved, and I don't really want to ruin someones life over a mistake...