First, be sure that you have property damage coverage under your uninsured motorist as well as bodily injury. Then, be sure that you have filed a police report. If you have both of these things, there is a good chance you have coverage, but the final determination is up to the company.
Only if the truck driver was at fault.
Uninsured MotoristUninsured motorist is pretty much insurance where if someone hits you and they lack auto insurance, your insurer will still pay damages for your car.
The insured drivers uninsured motorist coverage should take care of it. Doesn't matter if property is private or not.
If you purchased uninsured motorists coverage with your policy you will be covered. The SR22 is not insurance, it's certificate of proof that you have insurance.
That's what Uninsured and Underinsured motorist coverage is for. You have that on your insurance policy. I have been in this situation. The first thing you do is talk to your insurance company. Tell them about the accident and how it is their fault. It is better if you provide proof like police report or written statements, but if not, it depends on how your insurance company rules it. From there, your insurance company should tell you what your options are. Most likely, they would go after the uninsured motorist and make them pay. You don't even need to deal with the uninsured motorist.
Uninsured driver hits another uninsured driverYour both out of Luck, Neither of you have insurance. Both drivers will likely be fined and both drivers will likely have their drivers license suspended.
If the driver with the suspended license caused the accident then he/she is responsible.
Yes, this is because as you stated, the insured driver was at fault. The at fault driver is responsible regardless of the insured status of the person they hit. A good rule of thunb is this,, If they had insurance would I be responsible If the answer is Yes, then the answer is still Yes
If you are hit by an Uninsured Driver you should take the following actions- Contact the police, get information from and on any witnesses that saw the accident and get photographs of the vehicles and the accident scene. Another important step to take beforehand of the accident is to make sure you have Uninsured Motorist Insurance on your Car Policy.
My insurance canceled uninsured person hits someone in rear what happens to me
You have no insurance at all on the vehicle correct? And no other vehicles that have insurance? If the driver has insurance then that is where you need to go to look for coverage, if they are uninsured as well, then assuming he was negliegent (not all ped. accidents are the fault of the vehicle driver), then you will need to bring suit against the driver. Again assuming he was negliegent.
What happens when an insured driver hits someone depends on the state you live in. In a no-fault state you present your claim to your insurance company for payment. In a tort state, you would sue the driver for compensation. If you have uninsured driver coverage, then your insurance company should cover you and/or your vehicle, up to a certain amount. You should check with your insurance company to be sure.