Hope everything works out. I found out the hard way. Many companies like Safeco offer State Minimum Insurance. I had my Mazda 6 totaled last year and in Ohio the minimum coverage per accident is $7500. My Insurance company had to sue the owner for the balance of the claim which was another $9000. Lucky I had full coverage and was able to get the car replaced. In Florida the minimum coverage is $10,000 per accident. Hope this person had higher than state minmum coverage to cover everyone involved. Good luck and glad everyone is OK. Nice looking Mustang!