First of all you are really lucky that this accident was not your fault. The person who was At Fault is responsible for your vehicle damages. If he is insured, then it is his insurance company that is responsible. ** Depending on your states laws, you can loose your drivers license for up to a year for not having insurance and being involved in an accident. If you received a citation at the scene of the accident for no insurance, you need to pay for that also.
Various state laws may limit what type of damages you can collect. Also, when you do start to shop for a policy your rates will be higher. In a no-fault state, each driver must seek compensation from their own insurer and your ability to sue for damages is limited.
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.
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.
Only if the driver was responsible and only for his liability
If the accident was caused by the uninsured driver than the uninsured driver is definitely still responsible.
You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
Since you are the only person with insurance it would be your insurance that pays, if your policy says this situation is covered. It depends on your insurance policy. Some cover you, others don't
You need to have uninsured motorist insurance as a rider on your insurance. If not you will have to sue the uninsured driver.
It is highly unlikely.
Usually an uninsured motorist accident is not chargeable against insured in any way. Your rates should not be effected at all with most insurance companies.
If all you have is uninsured motorists then no it will not pay. you need liability insurance to pay for damaged caused to another. Liability is what your supposed to have.
Uninsured motorist coverage
I hope you had insurance for this. The uninsured motorist will probably be broke