Bill just remember the old saying-- "can"t get blood from a turnip". Vehicle with Texas plates / registered owner living in Louisiana / driver is not on the approved operator list . Still the vehicle owner is responsible for damages . Will cost monies for lawyer to go after driver/owner/insurance company to collect any recovery and possible for your personal insurance rates to be greater if you file a claim against the other party thru your company. Am glad that there were no personal body injuries and just mostly swapping vehicle paint colors. To bad that it is not legal to go confiscate their vehicle and any all other other properties to force payment or to sell said property and be able to keep all of the monies. I am a firm believer that if involved in a accident that you have 72 business hours to submit proof of said insurance or the state will remove said vehicle till proof of valid coverage provided and any following vehicle ownership registered in their name and not allowed to operate anyother vehicle owned by another person. Owning and driving a vehicle should only be allowed when all of the rules/requirement be followed. When you do not follow the rules/requirements for whatever the reason then what happens then so be it . Wishing the best for you in recovering from your damages. ................................... drill sgt.