<p>Good evening. I understand your concern over this.   First, if you have insurance, you would want to contact your insurance carrier. Second, if you have no insurance, I would attempt to negotiate a settlement.....they are obviously asking for more than they are willing to settle for and filing a claim in small claims court is not a sure thing for them.   If you respond that you did nothing different and that even were they to win some kind of a judgment, you do not have the ability to pay the judgment, my bet is they will settle for an amount substantially less than they are asking.   If you can't settle it beforehand, then you will have to state your case in small claims court. </p><p>   </p><p><em>I hope this has given you the guidance you were seeking. I wish you the best of luck!</em></p><p> </p><p><em> If I have adequately answered your question, even though the answer might not have been the one for which you hoped, I would appreciate it if you would <u>please click the GREEN ACCEPT button </u></em><em><u>NOW</u></em><em>, so that I receive credit for my work; otherwise, though you have made a deposit, I do not receive credit.</em></p><p> </p><p><em> If you need additional clarification on this question after clicking ACCEPT, please do not hesitate to click Reply and I will be happy to do what I can to help you further. Thanks for allowing me to be of service to you. </em></p><p> </p><p><em>The information given here is not legal advice. As all states have different intricacies in their laws, the information given is general only. This communication does not establish an attorney-client relationship with you. I hope this answer has been helpful to you.</em></p><p> </p>