Because your vehicle only had liability and not comprehensive or collision you will not be covered under your policy. It also appears you do not have uninsured motorist coverage of any type. Due to this and the at-fault driver being uninsured typically to get reimbursed for your damages you will have to take legal action. It is important to have the police report from the incident showing that the other party was the one responsible for the collision. I would take that report and find someone who can give your advice regarding what your legal rights are in your state. Comment Update: Depending on your state, if you have uninsured motorist property damage coverage it could pay for the damages to the vehicle. If you only had uninsured motorist bodily injury coverage then you would have no coverage for the vehicle. Many states and carriers do not offer uninsured motorist property damage coverage.
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