I doubt if their insurance would assume any liability for anything that happened earlier to you (I assume they had no ins at the time of the wreck) you can sue your friend in small claims (Judge Judy) court.
If the party had ins. on the date of incident, talk to them. After-acquired ins. won?t apply. In order to garnish, you must first get a judgment. If the damage is under $10,000, sue in small claims court.
Only the insurance at the time of the accident would responsible for any claim by you. You need to sue him and get a judgment before you can garnish his wages or any other known source of money.
You can make a claim for the property damage done to your car with the insurance company of the driver who wrecked your vehicle and then your own insurance, if necessary. If you have a police report of the crash, and it shows the other driver wrecked your car, include that with your property damage claims.
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