What happens if you only have liability insurance and an uninsured motorist hits your car when its parked?

Liability insurance protects you only from a claim for damages by another party if you were at fault for a collision; it does not pay to repair your own car.

Therefore, if the other party was not insured, you must pay for the repairs to your car yourself. Whether or not you do will depend upon whether the cost of repair is commensurate with the value of the car. That is, if the cost of repair is substantially more than the value, it may not make business sense to do the repairs.

You are also free to file a civil lawsuit against the at-fault party to recover the cost of repairs. In making the decision as to whether or not to do so, you will need to evaluate if the other party has the means to pay any judgment entered against him/her. If the ability to pay is questionable, you will want to consider compromising for a lower amount, or accepting payments over a period of time.
Liability insurance protects you only from a claim for damages by another party if you were at fault for a collision; it does not pay to repair your own car.

Therefore, if the other party was not insured, you must pay for the repairs to your car yourself. Whether or not you do will depend upon whether the cost of repair is commensurate with the value of the car. That is, if the cost of repair is substantially more than the value, it may not make business sense to do the repairs.

You are also free to file a civil lawsuit against the at-fault party to recover the cost of repairs. In making the decision as to whether or not to do so, you will need to evaluate if the other party has the means to pay any judgment entered against him/her. If the ability to pay is questionable, you will want to consider compromising for a lower amount, or accepting payments over a period of time.