What happens if a driver without insurance rear-ends you?

Question

What happens if another vehicle runs into your car, but the other driver doesn't have insurance? Are you pretty much just screwed?

Answer 1

They are responsible for your damage.  If you have collision coverage, you can start repairs but will have to pay the deductible amount.  Your insurance will attempt to collect the losses from the at fault driver, and will refund your deposit if they manage to get it back.

Answer 2

When it happened to me, the driver of the other car, didn't get any tickets or anything.  He just walked away.  My insurance took care of my car, and my payments didn't go up.  Good Luck with it.  Insurance people are tricky and will try to get out of paying anything (my opinion, from past experience).  

Answer 3

doesn't it depend on your insurance providers? check at a garage to see how much it would be to fix incase you do end up paying loads more on your insurance

Answer 4

You report it to your insurance company, pay them your collision deductible (if any)  they pay to have your car fixed, go after the other party and when/if they collect, your deductible will be returned to you.

Answer 5

Nope! Hopefully you have insurance and have purchased the uninsured motorist protection coverage. This should protect you in the event you don't carry full coverage on your vehicle. You should contact your insurance company and see if you are covered under either one of the coverages mentioned above. If you only carried liability coverage and didn't have uninsured motorist protection then you will need to file the claim in small claims court against the person. You can hire an attorney to help or you can just go down and file the claim yourself. The unfortunate part of the whole situation is the fact that the driver who hit you probably doesn't have any money since they didn't have insurance and this makes it very hard for you to get your money in the long run. I would talk with an attorney at the very least, this would be the best thing to do and you should talk with your insurance company as well.

Answer 6

In most states it is against the law to operate a motor vehicle without liability insurance. Notify your insurance company and provide as much information about the driver and the car that hit you. File a police report immediately. I had a person rear end me while I was stopped at a red light, and then try to sue me later after changing the story around. I had a police report and the other guy just dropped it.

Answer 7

You can sue them.  

Answer 8

Best thing you could do is call your insurance company.  

If you have uninsured motorist coverage (to cover when idiots without insurance hit you), your insurance company should be able to cover the damages but you might have to pay the deductible first.  Some policies have that coverage and some don't though, so be prepared either way.

If nothing else, your insurance agent can give you the best advice on what to do next in terms of the court system (to sue the other driver) to help you get your car fixed without having to eat the entire cost yourself.

Answer 9

First off Nickole, most states that I'm aware of.. that driver (who is at fault) WILL get a ticket for no insurance and quite likely also for careless and reckless driving.   If that driver has no insurance, you will have his personal information from the police.  Find the best attorney you can and sue them for damages.  Sometimes we have to take responsibility when others do not.

Answer 10

If you have collision or Uninsured motorist property damage on your own policy, then your company will cover the repairs to your car.

If you don't have those coverages, then I guess in a sense you are "screwed."

If the other person is decent you can try to get them to pay for the damages. Chances are though, if they cannot afford to pay for insurance, they cannot afford to fix your car.

Answer 11

you call your insurance company and file the claim.  if you have the correct correct coverage they will pay your damages and then go after the idiot who hit you for repayment.  let your company work for you, that's what you pay them for.  they have the resources you don't.