So I was driving down the street when someone cut me off by going in my lane from the right side and he got a stop sign so. I was going 50 mph and he got in my lane he was going like 10mph so I switched to the right lane ( it's a 4 lane street 2 going 2 comming) so I had to go on the right side going that fast I ended losing control of the car and hitting a phone poll from the side then my car is totaled no it can't be fixed I went to the hospetal and the other person just drove off so the qestion is I got full cover insurance and I didn't pay my car off I got like 5k left to pay what will the insurance do now? Pay it?