In a case that is like this, the insurance company can pay under uninsured motorist and attempt to collect when the hit and run driver is found. Although it is not your fault the insurance company will keep a record and note if you have a repeat of this happening.
Typically the person who hit you pays. If they don't have insurance, your no fault insurance will pay for it.
If you caused the accident, you owe for the legal liability, the other matters are civil & not involving the liability portion of the insurance. They still have a duty to pay.
The problem with no fault insurance is that fault is usually assigned thus making no fault insurance an incorrect statement. Your collision coverage is where you would make the claim in this situation.
Medical or Health Insurance
You do not need to know if the car you hit has insurance if you were at fault. It would not matter if they have insurance because you as the at fault would be responsible for the damages you caused.AnswerIf the owner of the car presented you some documents stating that his/her car has an insurance.
If you were the victim of a hit and run then your insurance rates shouldn't change. If you were doing the hit and run then you should expect to get cancelled.
If the other party was clearly at fault in hitting your vehicle then their insurance will pay for the damage to your vehicle. The key is that it is their fault. The way you word the question you don't state that they were at fault but that they hit your car. If it is determined that they were at fault then their insurance pays, if you were at fault then your insurance pays.
then it turns into a legal matter where the person who didnt have insurance gets sued for losses and medical expenses
Your insurance will have to pay regardless if the other person has insurance or not. You were at fault.
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.
If you have medical, yes because your medical under your car insurance covers your passengers, regardless of fault.
It would be your fault, so your insurance company will pay. Unless of course, you have no insurance or you flee then his/her "no-fault" insurance would pay for the damage.