Even though you did not have insurance on your car at the time of the accident you should be able to make a claim against the property damage liability policy of the at fault party.

There are some states that have "no pay/no play" laws in place meaning that if you are uninsured you cannot place claims for all or a portion of property damage and/or bodily injuries from an accident where an insured person was at fault.

In 2006 the Minnesota Legislature was discussing no pay / no play laws regarding auto insurance. In the MN legislature session they were defining no pay/no play as a term that refers to prohibiting uninsured motorists from filing lawsuits in motor vehicle crash cases for things such as pain and suffering damages.

Those sponsoring this type of law believe it is unfair for an uninsured motorist, who is driving illegally, to sue someone and reap a financial windfall by collecting non-economic damages. So this type of law may pass soon in MN but does not appear to be in effect yet.

Keep in mind that if you are cited for not maintaining the state required minimum auto insurance limits there will be penalties. The penalty for driving without insurance in Minnesota can vary depending on if it is your first offense for this violation of the law or not.

Being caught by a law enforcement officer driving without insurance is considered misdemeanor crime in MN if it is your first time. Penalties listed by Minnesota for driving without insurance include license suspension or revocation.

If you have the at fault party's insurance information you can try to file a claim for the damages their insured caused to your parked vehicle. To get your car insured properly for the state of Minnesota click here for instant car insurance quotes.