求助：车祸，有证人，保险公司不作为。

来源: QingJiao? 于 2009-09-08 10:47:34 [档案] [旧帖] [给我悄悄话] 本文已被阅读：次 (1712 bytes)

我的车正常停在路边的parking lot，人当时不在车上。被另一试图趴车在我前边的车撞到前左侧。肇事者把被撞掉的左前灯按上后逃离现场。碰巧被一路过老美和他妻子（女朋友）看到，把对方的车牌号，车型等信息记下，等我回来后交给我并留下他本人的联系电话。我按程序报警并报告了我的保险公司。对方在收到我方保险公司的信以后，迟迟不理，反倒不知从何途径找到我老公的邮件地址（车是注册在我老公名下），发邮件问我们是怎么知道是他干的，损失大约是多少。我们告诉他已报保险公司，一切由保险公司处理。我们并将邮件内容转发保险公司的经办人。车的损失经估价是一千多美元，我们的deductable 是1000美元。

几个月里我都有跟踪进展。先是对方拒绝提供保险信息。后来估计是我们报告DMV以后没办法了，提供了他的保险信息。没想到的是，事过7个多月，我们等来的结果是保险公司没办法recover 我们的损失。收到的信是这样的：

We have been notified by our collection Vendor, Credit Collection Services Commercial, that this matter, which we presented to binding arbitration, has been decided. Regretfully, the decision was not in our favor.

Because the decision of the panel is final and binding between xxx(name of our insurance company) and the other insurance company, we are forced to end our recovery efforts.

We no longer intend to pursue further collection action against the responsible party. Your are, however, authorized to pursue further collection action on your own.

Please be assured that every available effort was made to recover your deductible.

我给那个老美witness打了电话，问他是否有人联系过他。他说有2，3 个电话问过他。

在这种情况下，请问我应该怎么做才能挽回1000美元的损失？是继续和保险公司交涉，估计没戏；还是直接去small claim court告肇事者？还是有什么更好的办法？

恳请各位大侠出谋划策。鞠躬致谢。