someone backed into my truck and broke the tail light . how much does the damage cost ? a couple hundred for the new tail light . are you uninsured ? i 'm insured but , if i claim someone else hitting me my insurance goes up ... whats the point of having an insurance company if you ca n't use it ? for if you hit someone and do lots of damage . so i 'm not out say , 30k to buy someone a new car .
Someone else hit the person's car, causing potential damage and increased insurance costs.