As a rule of thumb if you dont hold comprehensive car insurance your vehicle will not be covered for damage.

What happens if the person not at fault in an accident has no insurance. As a rule the driver who does not take reasonable care is determined to be at fault. If the situation is clear-cut or one party admits that they caused the accident the at-fault drivers auto insurance should pay for any property damage and medical bills and in some cases additional compensation for other damages such as. No-fault insurance also known as the Ontario Motorist Protection Plan is a system outlining how claims are handled by insurers and simplifies the claims process for drivers involved in a collision.

No-fault means that regardless of who is at-fault for an accident each drivers insurer will handle their claim. If you are not at fault. If you get into an accident with a driver who doesnt have insurance then you might be able to file a lawsuit against them.

Or if you have a reciprocity sticker. This depends if you live in a traditional negligence state or a no-fault one. These drivers must use their own insurance policies to repair their cars and pay for their medical bills.

If you dont have comprehensive car insurance you wont be covered for property damage to your own vehicle. However the rules in your state might change how you can get compensation. It is against the law to drive without insurance in 48 states except New Hampshire and Virginia.

If its your second or third offense you could have your license suspended or your car impounded even if you didnt cause the crash. It all boils down to what. Youre subject to pay for any damages sustained out-of-pocket.

However you will still be able to claim costs of repair and towing from the other driver if the incident was their fault. Even if your policy doesnt include collision coverage your insurance will pay for the damage to your vehicle through the liability section of your policy Section A. You might have to pay a fine to the states DMV.