Small claims court is an option if your claim is worth $5,000 or less. The small claims courts in Florida provide a forum for people to have a judge hear their cases. They are a more relaxed environment in which the parties are not expected to follow the formal evidentiary rules. You can pursue the property damage claim against the at-fault driver in a small claims court since you are not required to file that portion of your claim with your insurance company. You can find the forms that you need for filing a claim against the at-fault driver in small claims court on the Florida Bar Consumer Information website.