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Ask the Car Insurance Expert

What happens if a driver hits my car and has no insurance?

Ask for the driver's name and contact information, and call your insurance agent or company with the information. You might also want to call police to the scene because driving without auto liability insurance is against the law in most states. Liability insurance pays for damage and injuries the insured driver causes others.

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If you have collision coverage, your car insurance will pay for repairs to your vehicle, minus the deductible, regardless of who was at fault in the accident. Another type of coverage that could come to the rescue in this situation is uninsured motorist property damage coverage. This type of insurance, which isn't available in every state, covers damage to your car caused by an uninsured driver, and there is no deductible. Uninsured motorist coverage covers injuries you and your passengers suffer in an accident caused by an uninsured driver.

If you have a camera, take photos at the accident scene and share those with your insurance company. Also record the make and model of the other driver's car and the license plate number.

Here's more on how to deal with jerks on the road.

Last updated: Aug. 24, 2012
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