An uninsured driver hydroplaned on the freeway and broke off the front passenger side wheel of our 2020 SUV. Our insurance paid out about 20k to fix everything. They waived the deductible on the comprehensive collision coverage. We paid another 1k or so on top of that for a rental car, since it took about 3 months and the rental coverage ran out. Our premium didn't go up since we weren't at fault.

The insurance company was going to look into suing the driver, but it's not like there was even enough money there to pay for the lawyers.