You should have insurance whether it is your fault or not.
If the other vehicle was parked, there was no other driver to have license, insurance or registration. The driver who hit the parked vehicle is at fault and is liable for all damages to the parked vehicle.
Get the driver of the truck to pay for your damage. If he refuses you may have to take legal action.
If you have reported the accident and your insurance company has repaired the other driver's vehicle, it more than likely will affect your rate. When you are at fault, it always affects your insurnace.
You will be cited for driving without insurance and the other driver being at fault, him and his insurance are still liable for damages.
each contributes 50% to liability or fault.
If you have comprehensive insurance, your policy will cover the damages (less a deductable). In this case, your insurance company will sue the at fault driver. You can also sue the at fault driver for damages (if you do not have comprehensive).
It's the fault of the other driver. If the police were not present there isn't much either of you can do. If it was a fairly serious accident and damage done to the vehicles, police were at the scene they would know whose fault it was. Usually damage down the side of the car or a rear-ender is a good sign you weren't at fault and the other driver was.
Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.
Unfortunately it's your fault since you're entering the "circle of traffic" whether it's circular or not. Fortunately parking lots are private property and not city streets. You may be able to just take care of your own damages..especially if the other driver admitted fault.
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.