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two near collision
Friction
The driver at fault is liable for the collision, regardless of the other driver's actions post-collision. The fleeing driver may later be brought up on Hit and Run or Leaving the Scene of an Accident charges, but that will not change the at fault liability.
A non insured driver may be held liable for the accident. Insurance is a requirement in the majority of states.
More kinetic energy involved.
While you may receive a traffic citation for driving without insurance, the individual who is responsible for the collision should pay for damages. If the other driver was found at fault, he/she should pay for damages, just as you should pay for damages that YOU cause. If the police investigated the collision and found that you were both at fault, you will probably have to pay your own damages. If you did not have the police investigate the collision, you may be stuck with the damages unless the other driver agrees to pay and admitted fault.
More kinetic energy involved.
At higher speeds, there is more kinetic energy involved.
Age may contribute to a car accident if the awareness level of the driver is low. If the driver is an elderly person, the reaction time may be slower (No offense elderly people).
Inertia is why - the people keep going after the vehicle stops.
If you can prove that the lights were not working at the time of the collision, the "owner" may also have some liability IF it contributed to the cause of the collision. In CA when the lights are not working it becomes a "stop sign" and drivers are required to stop until safe to cross. by way of example if the driver did not stop and was involved involved in a crash as a result... there may not be much liability on the signal "owner" This is where hiring a collision reconstructionist such as myself may be helpful to review your case and help you determine your options
You may get cheap collision car insurance if you have a great driving record. You may also receive discounts for car insurance if you take a safety driving course, or if your teenage children get good grades in school and takes the driver's courses for driving and if you list yourself as the primary adult driver under the policy.