Also, J'inn can back this up since he is from the area where I had an accident during my first divorce. If your friend gets sued by the insurance company in a civil court, guess what happens if he does not pay the judgement? You got it, suspension of your license for not one, two, three, but ten frigging years or until he declares bankruptcy or pays off the judgement!
In 94 I had joint insurance with my wife, she moved to FL, cancelled me off the policy without telling me, I got in an accident (my fault) in Virginia (I was stationed at Ft. Belvoir), and later the insurance company said it was my fault even though the criminal court said no. They went to civil court in VA while I moved to TX, I was found guilty (of course, that usually happens when you cannot be there), I told them to stuff their judgement, they went to VA DPS and stuffed my license, then they informed TX and TX DPS stuffed my license (many states have an agreement now). I had to declare bankruptcy to get myself out of debt and also get that crap taken care of so I could have my TX drivers license back.
Believe me, 1400 is chump change, your friend does NOT want to take on an insurance company when he is found at fault already...