Hey guys, im in a bit of a jam here. About 2 weeks ago, i got into a accident. This driver went into a do not enter lane. After realizing he went into a do not enter lane, he reversed into my lane, covering almost 80% of it. I swerved hard, managed to avoid a HUGE collision, and we nicked bumper to bumper (because of the swerve). We got out the car, he apologized, said it was his fault, exchanged info etc etc. I asked him if we should call the cops but he said because it was so small, that we should be fine. I had all his info, numbers and address, so i felt good. I went through the usual steps. Filed a claim with his insurance, they sent out an adjuster, got an estimate for my damage etc etc. This is the effed up part, while i worked with them, doing statements and such, he's been AWOL. He's been avoiding all calls from his insurance agent and won't pick up my call. His agent informed me that they called his father, sent letters, emails, but there is no reply. The agent then told me about this stupid clause where if the client doesn't comply with the agent within a certain time frame that they relinquish all liability and makes the client handle the situation. The thing is, the client is unable to even get in contact so if he's liable for the damages now, he won't do anything. Its safe to say he is trying to duck out and avoid paying. If his insurance agency relinquishes the liability to him, I'm screwed at the end because im sure he'll just continue to do what he's doing, which is disappearing. ANY ideas on what to do? He's a Michigan resident. I def should have waited for the cops that day.