I do not want to ruin my credit , an I know I might have to sue them , but what about making payments in the meantime
The only way to not affect your credit is to make your payments as agreed. If the other party had insurance and they have not accepted liability, you most likely will have to file suit in an effort to get your property damage covered but that will be a lengthy process that you might not win and you will need to make payments during that time if you do not want it to affect your credit.
You may have GAP insurance which can help in a situation like this. Contact the other driver's insurance and an attorney.
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