AIO – My response to my roommate after he wrecked my car ?!

This is literally from an hour ago. I just woke up from a Covid fever dream, because I need to drive tonight (I do uber), it’s how I survive right now. I know I know, get a “real job” I’m trying. I’ve been trying for months. I go out and immediately after backing out into the street, I’m hearing the worst sound ever from the bottom of my car, it’s pulling hard to the left. He drove over something, my guess is a median or idk. His girlfriend is calling me now, saying it’s not that big of a deal, insurance will cover it or that. Idk if that’s true though I really don’t think they’ll cover this!!!! I’m calling my insurance now but he has put my dog at risk, my ability to live here without issue, because the rent is always late due to him. Now it’s going to be even more late. I feel like my head is going to explode!! Am I going crazy?! Should I press charges ? I still need him to pay rent. Atleast until this lease ends