[hoser]

Depends on the family relationship.

You know the prick won't cover the higher insurance if you go that route.
You know he'll come back and burn down the house after he gets off if he goes to jail.

Christ, I dunno.. Maybe he should eat the higher insurance and chalk it up to stupidity..
I'm sure that will strain the relationship with your sister though.

Perhaps you should all go to the Bahamas for the weekend and discuss it.