Most of your questions aren't necessary to address. If you have no-fault coverage (e.g., collision or comprehensive) for your loss, collect against your carrier. Otherwise, you have to sue the other motorist and, if you win, the other motorist or his/her insurer will pay. If that motorist is from outside California, you can serve him/her through the Secretary of State; if in California you can probably locate the motorist and serve him/her directly or through substituted service. Since the carrier acts like the motorist's attorney I would serve it as the motorist's agent for service of process. If this isn't Small Claims material, get yourself an attorney.
Answered on Jul 09th, 2015 at 2:26 PM