judgement less the deductible and all. The issue is if the judgement is more than the amount of insurance the driver has, then it is on the driver. I was in a multi car rear ender and the guy who hit the three of us (rear ending the guy behind me shoving me into a pickup in front of me) his insurance person told me the driver may not have enough insurance to cover the damage to all the vehicles, much less any money for a rental car. It was not worth it to go after the guy as he did not have a pot to urinate in.