What she meant when she said don't expect much in the way of compensation was that this guy is a loser, he's going to jail and when he gets out you will have to spend your time chasing him down trying to get the judgement fulfilled....she didn't mean you get to pay twice by jailing and feeding him. Why would you be taking him to court if you claim your insurance company compensated you?...it would be their job to seek their money back not yours. Your job is done after you file the police report to get your claim paid.

It would not be effective to say to someone who has a judgement against them that we will not do business with you...if they don't own a business what would they care? If you mean you track them around until they pay you...well if they don't have a job what have you achieved? If they do have a job why would you harass them when you could just hit their employer with garnishment papers and start getting your money back.