Wife had a wreck last night

Glad the wife is ok, like others said you can replace vehicles but lives are another story. As retired trooper I would file a claim for resitiution with the district attorney or city attorney where ever the crash occurred.
This can be for your out of pocket deductible and any other lost wages, rental car costs if not covered by your insurance,etc. As long as they are real costs there is no limit. Once the court orders restitution it stays with the person till payed. I filed one in 2008 for a crash with an uninsured and just received final payment, also have to pay nominal interest. Just one method without an actual lawsuit.