If they left the scene of the accident, then you don't have their name either ... need to have a name before trying to find out insurance information.
Chances are, the person who "hit and run" has no insurance and probably was driving without a license and/or expired car registration. This is why insureds carry uninsured motorist coverage.
Yes, If the accident was your fault, then it is your fault. Whether or not they have insurance has nothing to do with who's at fault, or who actually caused the accident.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
He may be at fault for not having insurance. He may or may not be at fault for the accident. Whether or not a driver carries insurance is a separate issue than the one concerning who is at fault in an accident. Do not confuse them or let them overlap. A good, objective assessor won't.
Who is at fault has to do with the accident itself not the insurance coverage. A police report of the accident and looking at the proximate cause of the accident help determine fault.
If you have their insurance information, go directly to their carrier. If you don't have the information, you may have to go through your own insurance and let them fight it out for you.
It depends on what type of insurance policy you have. Some states have the "no-fault" insurance policies wherein the insured party may be compensated regardless of who is at fault in the accident.
No. If the accident was your fault, you can not get money from the other person's car insurance.
Not if it is deemed to be 100% the other drivers fault and they have insurance.
Yes. The terms of your insurance policy are not relevant if the other party is at fault.
It is really based on whether the accident was at fault or not at fault. If it was not at fault, it usually will not increase.