The person was working on my car, put in the new motor, and took it out to make sure it was driving the way it should and slid it into a tree on a wet road. Police report says he wasn't speeding or anything. the problem is that because he was a private person I am on the hook for insurance instead of him. Obviously I have a civil case against him... The problem is that the adjuster isn't looking out for me, he is looking to save his company as much as possible. I seem to have the law on my side.