So here’s the deal, I live in Michigan, I had PLPD insurance from progressive, I’ve had them since 2.5 years ago when I got my license up until last Wednesday when the insurance expired and my parents can no longer afford me on their plan (I’m 18 and have 13 pts on my license which got suspended last month) But in January, some kid slid through a stop sign and hit me, the car is technically totaled since the KBB value is less than the cost of repairs. I filed a police report and everything and faxed it to Progressive and now they’re saying that they can’t get me the $500 that they owe me cuz the kid didn’t have insurance at the time of the accident. Here’s the catch, the cop took down his insurance info and didn’t even write him a ticket for running the stop sign. Progressive is saying that the only thing I can do is take the kid to small claims court and sue him for the $500. I feel like Progressive is just jerking me around, anyone have any insight on this?

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