Can I sue the other driver directly in small claims court?
Yes, especially for amounts not covered by insurance (deductible, out-of-pocket medical, lost wages). You can also sue if the other driver was uninsured or underinsured and you have a gap not covered by your own policy.
Should I accept the insurance company's settlement offer?
Not necessarily. Insurance companies often make initial offers below full value. Calculate your total economic damages first. If the offer doesn't cover them, negotiate or file in small claims court for amounts within the limit.
What evidence do I need for a car accident small claims case?
Police report, photos of damage, repair estimates (at least two), medical bills, lost wage documentation (pay stubs + employer letter), rental receipts, and any communications with the at-fault driver or their insurer.