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Well, first lets make a complete sentence out of this: Who pays for the damages if someone that has no license or insurance hits your car?
The answer is different for medical expenses and physical damage to your car. Medical expenses can be paid by your insurance company if you have "uninsured/underinsured" coverage. This type of coverage is usually very inexpensive and I recommend everyone has it. Literally a few dollars per year. For property damage, you can sue the person, or your insurance can pay for it if you have full coverage (comprehensive/collision) insurance. Then it becomes their problem if they want to sue the person or not to get their money back.
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Earn +20 ptsQ: IF SOMEONE that has no license or insurance and hits your car?
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