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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?

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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.


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