The at-fault party in the accident typically has their insurance pay for the damage to the vehicle they hit no matter if that other driver was insured or not. So if what you described has happened to you then you should have the right to put a claim through the at-fault's insurance company.

If you are uninsured and involved in an accident, even if not your fault, you are likely to be cited by the police since most all states require insurance or proof of financial responsibility. If you were not cited for this law violation I would find yourself lucky and get insurance for your automobile as soon as possible.

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