[Suzi]

Late this afternoon I was struck by a slow moving golf cart that was backing up. Both the cart driver and I are fine. The person admitted fault, however, he has no insurance. He damaged the front right side bumper of my car. I did call 911 and police came and filed a report. The person is NOT from The Villages but rather Summerfield.

I have been advised by the police to have a neighbor who may have "car" knowledge, look and see if repairs would exceed my deductible. Insurance premiums could increase. The person who hit me will likely get a ticket, however, he may not be liable for my damages (I have no idea if he could or would pay anything anyway- but a wild guess is no).

My question is what recourses do I have? I probably haven't had an accident in over 20 years and never one in Florida and, frankly, need some advice. Tomorrow I hope to find a neighbor who may have auto repair experience but, beyond that, what would you recommend?