You have a few options. First, most states require people carry property damage liability. (This protects the other party's property that you are liable to fix - if you are at fault in an accident.) You will need to look into the at fault driver's insurance company for his property damage limits to help fix your vehicle. If he does not have property damage, you will need to check with your insurance company. Unless your brother was a member of your household or was specifically 'excluded' as a driver on your insurance policy, your insurance company still may cover your vehicle through your 'collision' coverage. Sometimes there is coverage for non-resident, occasional drivers, even though they are not specifically listed on your insurance policy as drivers. If your insurance company refuses to help you, you will need to try to regain your loss through legal action.

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