If you have uninsured motorist coverage on your own insurance policy, your insurance will assist you. Often, your insurance will pay your damages and then it will file a civil suit against the other driver to get reimbursed.
Also, you can sue the driver individually for the damage. However, many people who are uninsured are in that position because they can't afford insurance, and therefore you may get a judgment that the defendant cannot or will not ever pay.
Yes as long as your policy has uninsured motorist coverage on your policy.
Uninsured motorist covers you in the case you are in an accident with another driver that does not have insurance. Comprehensive coverage is what will pay when you hit a deer.
If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you.
No, you will not receive a point.
If you do not have an uninsured motorist property damage coverage, your collision might be used to pay for the repairs to your car, in which case your collision coverage deductible will be used.
Uninsured motorist coverage provides insurance coverage when you are hit by a person who has no insurance coverage. You uninsured motorist coverage will take the place of the insurance that the other person did not have and will cover your damages just like theirs should have if they had it. The only difference is that you will have a small deductible for property damage coverage.
Either through your own "uninsured motorist" coverage in your policy or through a lawsuit against the person that hit you.
both, you for hitting the other vehicle and the other driver for being unlicensed
In auto insurance, 'uninsured insurance' refers to a type of coverage for accidents caused by a motorist without insurance or hit-and-run accidents in which the driver who caused the wreck cannot be identified. In other words, your insurance may cover the cost of damage to your car, medical expenses, and other expenses. http://www.superpages.com/supertips/what-is-uninsured-or-underinsured-motorist-coverage.html
You uninsured motorist coverage, if you have it should handle the gap. Otherwise, you can sue the driver that hit you for the difference.
Yes and i believe no premium hikes if it was not your fault.
If you are not at fault and they are, you have the right to sue them for money to cover the accident and possible medical bills. Seek an attorney.