Based on your question, I'm guessing that their policyholder simply didn't have enough coverage to pay for all the damage to all the vehicles involved. I would have to know a little bit more about what happened, but you're only realistic action at this point is taking their policyholder to small claims court.
However, if you have your own coverage, use it and let your insurance company deal with it.
Minimum you are responsible for all claims due to the accident. Damage and medical if any. Depending on state, one or both of you may get hit with no insurance ticket, fines vary, probably will not suspend lincense since you were not driving. It is so much easier to play by the rules and keep insurance. Been there done that.
Assuming the At fault claims are in E4 and Rating is in F4 then your formula in G4 would be: =If(And(E4>1,F4>2),"Yes","No")