Legal Question in Insurance Law in California

Car Accident

Hello,

On 5/16/2006, my parked car was hit outside my home. My neighbor across the street witnessed the accident and informed me another neighbor (call him J) is the culprit. J denied the charges, so I called the police, the police interviewed the three of us and wrote a report citing J for unsafe backing of his vehicle and a few other things. I filed a claim with J�s auto insurance company.

Initially, they denied my claim, because they said there wasn�t any damage on J�s truck. I learned beforehand J has access to a few work trucks, on the day I called the police, J drove a different truck (not the truck he hit my car with) home. But the police wrote down the license plate of the truck he drove home. After presenting photos of J�s other truck and the teeth mark of his truck�s bumper imprinted on my car door, the insurance company reopened the case. Somehow, the insurance lady I was working with got fired. So, I went to the insurance office and met the supervisor. Supervisor informed me as long as their client denies the claim, there is nothing they can do, and they won�t admit fault and fix my car.

Should I sue?

If yes, do I need a lawyer or will small claim suffice, damage is less than $7500?

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