If I was hit by a driver who has no insurance, how do I pursue damages?

Question Details: I got into an accident last week and come to find out, the lady doesn't have insurance and I'm stuck with the deductible. To make matters worse, she was in a rental. What steps do I take now? If I pursue legal action against her for the unpaid fees how does this work? The claims rep from my insurance couldn't tell me anything about it. It almost like why bother having insurance.

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