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No brainer. The person who hit you is At Fault. Doesn't matter if you have a license or not. Not having a license doesn't give the other driver a free shot at rear ending you.

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In most states, insurance companies require a police report of an accident. To have a police report, the police have to go to the accident scene in order to write one. Most rear end accidents are the fault of the person who hit the rear of a car. However, if you did not report the accident to the police because you have no license, you may be out of luck with the insurance company.

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Q: What if someone rear ends you and you have no license but you have insurance the person who hit you has insurance?
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If someone rear ends you and your license is expired but the car your driving is insured what will happen?

you will get a ticket and probably get your license suspended for longer and insurance will probably not cover the accident b/c you were driving with a suspended license but of course this is just one scenario


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Good luck getting any relief from the damages caused by the driver with no insurance since you were on the road without a license. Given the circumstances, you cannot file a police report. If the other driver offers cash, take it. Your insurance certainly won't pay either. I suppose you might park the remains of your car and start riding the bus or bike until your suspension ends.


If person A rear-ends person B and Person A's insurance pays can Person B get a quote and collect money or do they have to wait for the bill and have insurance pay or reimburst themselves?

It depends on insurance company A . Ring them up and say "can I have the money." If you say you can fix it yourself for less than any of the quotes they may well say yes.


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As far as I understand it, That isn't a possible solution. A claim isn't settled until after the vehicle, or whatever is fixed. Thus there is no set amount for the claim. example: Person A rear ends someone. A, goes to the insurance company and files a claim, The insurance company sends an adjuster, the car gets fixed, and the amount owed is determined by the bill after the vehicle is fixed.


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