THIS QUESTION IS JUST ONE WORD . RETARDED <| sep |> The probe type is expensive . <| sep |> You ' re correct about being able to sue them for the difference , but it ' s hard to force them to pay . It sounds like you ' re unharmed though , right ? That ' s good . Probably the best you can do is learn a lesson from this Insure against the possibilities you can ' t afford . If you wouldn ' t be able to afford losing your car , then you need collision insurance , not just liability . In this case , UninsuredUnderinsured Motorist Coverage would have helped , too . I ' m sure it feels shitty to be told you should have had insurance to cover this , but there really isn ' t anything that anyone can do . I ' m sorry for the financial loss you ' ve suffered , but I ' m glad that you weren ' t hurt .