Q&A: What should do about my car accident where a car hit me and has no insurance and i am on the liability plan?

Question by ♥AUDREY♥: What should do about my car accident where a car hit me and has no insurance and i am on the liability plan?
I was driving into a shopping center & was @ the entrance. I was making sure that there was no incoming cars on the left side because i was trying to make a right. Suddenly, I hear this loud noise, like metal being rubbed on cement. I turn to my right and I see a car driving on the sidewalk, over Chipotle’ patio furniture. Then in the process of him trying to get off the sidewalk, he runs into my car, passenger side and slides against my car. He continues to go straight and drives over a medium and hits an Escalade. He is stuck on the medium and tries to get off, but cant. He got out and stood there, like nothing happened. As soon as he heard the cops, he ran off, but they caught him. He had no liscense, no papers, cant even speak english. I may have heard that the car has insurance. Basically i dont know what to do, my insurance wont pay & im def not payin. I tried callin the cop that handled my situation 2 get info on insurance of the other car/guy, but so far no reply. HELP!

Best answer:

Answer by Sue
Call your agent & find out if you have uninsured motorist property damage coverage. If you have it, be sure to find out when it will or will not cover you. There are some states with odd laws for this coverage. If you do not have collision coverage & do not have uninsured motorist property damage, you unfortunately are out of luck. You will have to either pay for the damages yourself or go after the other party for damages. If he didn’t have a license or insurance (was the car stolen?) then he probably doesn’t have any assets either & even if you get a judgement against him, you may never see your money.
You are entitled to at least a brief police report that shows the name of the driver, the vehicle & the insurance information. You should be able to call the police station and find this out & you are also entitled to know if the person had insurance.

Add your own answer in the comments!