Of course. If, as you say, the other driver is completely at-fault, that driver's insurance would still owe for your damages, whether you carry insurance or not. Look at it this way: You have insurance, another driver backs into you, he's at-fault. You make a claim with his insurance and never even notify your own carrier. It's basically the same thing (though it's somewhat crazy to be driving around without insurance. If you plan to continue this, I hope you have some major assets you can liquidate when the bills start pouring in).
No.
My plan was denied and it was not my fault it was the other drivers fault because police and show up to make a police report it is really his mind
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 the police came out and made a report of it then it will be on your driving record. It will be a not-at-fault accident but it will still be on your driving record. If the police did not come out but your insurance knows about it then it will be on your CLUE report and be a not-at-fault accident.
If the other party is refusing to call their insurance company - then you should call their insurance company and file the claim.
The terms of your Insurance Contract always require that you report an accident regardless of fault. This is because even though you do not consider yourself to be at fault, the other driver may report the accident to them anyway. Better to be safe than sorry.
An insurance company can assign fault regardless if a police report is filed or not. A police report is simply a report made by a neutral party at an accident scene. I believe there have been cases where insurance companies have assigned fault to one party when the opposing party was initially named at fault in a report.
You will need to open a consumer complaint with ChoicePoint and get the accident fault indicator changed to N.A.F.(not at fault) on your CLUE report. Then notify your Insurance company after your CLUE report is corrected. Then the company will remove the premium impact of an "at fault" accident.
You only need to report it if you are expecting some compensation.,
You should contact the at fault party's insurance company and let them know you have a property damage claim. You will need an accident report. Photos of the damage or an estimate for repair will also be helpful.
Car insurance in general is not built for you when you are not at fault in an accident. You should complete a police report and and contact an attorney to help sue the at-fault party. If you have just liability you are not paying your insurance company for help in this matter. Liability pays for the damage you cause when you are at-fault in an accident.
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.