The at fault driver is responsible regardless of who has or does not have insurance. You were at fault, you get the bill. Fortunately though you have insurance. So they get the bill.
If the insured driver is at fault then most likely his/hers insurance will be responsible. There is a fine line when it comes to a situation like this especially if you live in a no fault state. The only true way to know the answer is to talk to an insurance company/agent.
Yes. See an attorney, before they sue you.
Even if a driver was uninsured, the driver who was at fault is responsible for paying for repairs. Not having insurance does not take away responsibility.
All companys that I am aware of will accept payments.
What happens when an insured driver hits someone depends on the state you live in. In a no-fault state you present your claim to your insurance company for payment. In a tort state, you would sue the driver for compensation. If you have uninsured driver coverage, then your insurance company should cover you and/or your vehicle, up to a certain amount. You should check with your insurance company to be sure.
The uninsured driver, assuming they are at fault, can expect to be pursued civilly by either the other driver's insurance company or the other driver. The uninsured motorist can be sued for damages and any other expenses incurred as a result of the accident, including court costs.
Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.
In a case that is like this, the insurance company can pay under uninsured motorist and attempt to collect when the hit and run driver is found. Although it is not your fault the insurance company will keep a record and note if you have a repeat of this happening.
Only if the truck driver was at fault.
If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you.
Its your fault