I have decided to write a letter to the parents, using my legal knowledge of course, and inform them that they have a choice. Either pay the deductible, or I’ll let the insurance company subrogate the claim. This would result in action, I’m sure. I will make sure to explain that the insurance company will go after the full amount plus any court costs associated with it. In the long run, I think that I will end up letting the insurance company handle it, but for now it will buy me some time to have money for the deductible.