Even though you were driving without insurance you should be able to place a claim with the at-fault party's insurance company. If you were cited for driving without insurance this is a separate issue you will have to deal with. Penalties for driving without insurance in California can include fines up to $500, impoundment of the vehicle and suspension of your driver's license.

As for your claim against the at-fault party's liability property damage that has a limit of $15,000 that is the total their insurance company will pay out for all property damage claims that their policyholder caused in one accident. So you and the other person that was hit will both be paid out with this limit in mind. How much of the $15,000 each driver will get for their damages will be determined by insurance company's claims adjuster taking into account the repair costs of the vehicles and other factors.

To find out how much you will receive for your vehicle's repairs place your claim with the other person's insurance carrier. If your total repairs are not going to be paid for by their insurance provider, since the $15K limit is shared with the other damaged vehicle, then you may want to seek legal advice on what steps to take to be reimbursed for the total repair bill.

Get a California auto insurance quote here so that you are no longer driving without insurance.