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The person who is At Fault in the accident is liable for the damages. If they have an insurance policy to pay on their behalf then the at fault person may not have to pay out of their own pocket for the damages. However if the at fault person has no insurance then they are personally responsible for the damage caused. In the case where the at fault person has no coverage and the not-at-fault party did not carry Collision or UMPD coverage then the only option may be to take the at fault party to court and attempt to get them to pay. Good luck.

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Q: Person rents a vehicle and denies rental company's insurance drives off without any kind of insurance theirs or personal and hits you If you don't have UM who's liable?
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