He will be left with a wrecked car! He will also have to pay for damages to any other vehicle(s) involved in the accident. However it can vary from country to country, but in the UK, not having Car Insurace is illegal, so the uninsured driver would be a bit screwed!
I think in the UK you can even end up serving a short-term jail sentence for repeatedly dodging insuring your car. I'm not 100% though.
Even if the the insured driver is At Fault - the uninsured driver will be left paying for the mess himself - and will have to fix the car with his own money.
But if you live in the US - then this could be completely different.
Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
The at-fault driver's insurance will pay for all property and bodily injury damages.
They can be sued by the other driver for damamges (if at fault). If not at fault, they may have a very difficult time getting insurance in the future and when they do, the premiums will be through the roof.
He may be at fault for not having insurance. He may or may not be at fault for the accident. Whether or not a driver carries insurance is a separate issue than the one concerning who is at fault in an accident. Do not confuse them or let them overlap. A good, objective assessor won't.
If the insurance is not valid on the day of the accident, there is no coverage.
The license status of the other driver has no bearing on your liability. If you were at fault you are still responsible for any damages and injuries. Just report it to your insurance company as you would any other accident.
You will be cited for driving without insurance and the other driver being at fault, him and his insurance are still liable for damages.
Who is at fault has to do with the accident itself not the insurance coverage. A police report of the accident and looking at the proximate cause of the accident help determine fault.
Sue
They are at fault, even if that fault is shared jointly. That car is not supposed to be on the roadway, period. Therefore, it's assumed the accident would not have happened if that car hadn't been there. The driver will be cited for driving without insurance, and the car will be impounded.
Your expired plates should not cause an insurance claim to be paid.