You are responsible for the damage you cause in an accident, regardless if you are insured or not. Having insurance transfers your responsibility to pay for the damage from you to your insurance company. If there are injuries to the other party, then the other party's insurance should pay for their injuries, but you are still responsible for the property damage you have caused the other person.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
I can only speak for Florida because that is where I live and it is a no fault State. In Florida it really would make no difference to you if the other driver did not inform his insurance company of an accident. Really, you would only have to file a claim with your own company and contact his insurance company after the accident. I would just make sure you have the other drivers info so that you can contact them about the accident.
no insurance + jail
you die
Yes it does. The cancellation of an insurance policy is not retroactive.
The same thing that happens if you did not have an Sr22. The at fault parties insurance generally pays for the accident.
Auto insurance.
Well Someone will sue you and the insurance will do something about it!
I hope you had insurance for this. The uninsured motorist will probably be broke
Same as if it where 2 cars. The uninsured driver will be sited and then your insurance will pay for the repairs and try and collect from the uninsured driver, if you have uninsured or underinsured coverage, if not you can take the uninsured driver to small claims court.
The AAA life insurance offers insurance that will cover an accident, whether it be in the UK or when travelling. This means that when an accident happens, the AAA will take all responsibility and help through the payments etc.
You pay for all damages if you were at fault, and get a citation and fine for not having insurance.