Whether or not either of you have insurance has nothing to do with determining fault. One of you is at-fault and it is the responsibility of the at-fault party to pay for the damage they caused. Regardless if you are insured or not, if you are not at-fault in an accident you should retain an attorney and sue the at-fault party.
get insurance
You both are.
First make sure you have filed a Police Report. You can sue both the driver and the owner of the vehicle for your loss. They are both equally liable.
What happens if you have insurance and you get hit by someone driving fast down the shoulder of the road in Texas and they hit you?
If you hit someone in a car accident and you have auto insurance even if they don't your insurance will cover repairing both automobiles.This is why you carry insurance. You will not be charged anything for the repairs to the other persons automobile.It is always best to let the insurance pay for it! It beats the other party suing you, that can get ral ugly and make your insurance go way up if you loose.
If you are driving their car and hit their car, then their insurance will pay for the damage on both cars. If you are driving your car and hit their car, then your insurance will pay for the damage on both cars.
Someone can get a quote for building insurance from a number of insurance companies such as Allstate Insurance. Allstate Insurance provides a number of insurance products for both consumers and businesses.
Yes, you should be covered if someone hits you or you hit them regardless of someone leaving the scene.
if they are the ones that hit your car then yes, they or their insurance are the ones who have to pay.
That all depends on the details and the rules in your state.
It was your car so your insurance will have to pay. Never loan a car out to someone who is not on your insurance policy.
You might want to be careful here. Some states have steep fines and worse for someone that drives without insurance.