If you rearend someone, regardless of road conditions or the other drivers disposition on a drivers lic or insurance, you are still responsible. Not having a license or insurance is a civil matter, not involving insurance company.
Yes, they can. The fact that they have no insurance and the Police were not called has no bearing. If they do decide to claim for any injuries, your insurance company will scrutinize it, but not necessarily deny it.
3 million in West Virginia
What happens if you have insurance and you get hit by someone driving fast down the shoulder of the road in Texas and they hit you?
you pay alot of money stupid
Well Someone will sue you and the insurance will do something about it!
Wether it has insurance or not is a moot point. The vehicle is generally part of the estate and is inherited by someone.
Your insurances pays it because you caused the crash.
what you gonna do when i kill ur familyy and ur nan!
depends on the damage you caused and the intent...all policys (far as i know) have an exclusion for 'an intentional act' that is different than you causing the damage, you cause the damage when you rearend someone but that is covered...see? what is the damage and how did you cause it?
Once your insurance has paid, you are responsible for the rest.
My insurance canceled uninsured person hits someone in rear what happens to me