Wife had a wreck last night

What a bummer.

I carry a bunch of extra uninsured motorist just because of crap like that. You can sue in small claims to get your deductible back. Hell, who knows, you may end up on Judge Judy!!!

The government has been carping on compulsory insurance for decades and all it did was drive up the cost for those of us who have it.

The more I think about it, the more I'd sue for the deductible. Get what you can out of her. Hopefully, your insurance company pursues the claim to the fullest.