If you have uninsured/underinsured motorist
, your insurance company might be able to help you. This driver would fall under the "underinsured" category, meaning they have insurance but not enough. Sometimes this coverage does have a deductible so you'll need to check your policy documents in order to be sure. If there is a deductible or you do not have this coverage, your next step would be to take the at-fault driver to small claims court and settle it there. Best of luck.