A lawsuit may be your only option. Since both of you are uninsured, the only way to get money for your car is to have the other party pay in good faith or if they refuse to do so, file a lawsuit. Be prepared to answer questions before the judge as to why you and the other driver didn't have insurance at the time of the accident.
regardless of whom is insured or not, the 'negligent' or liable party is responsible for the damage or 'to make whole' the injured (this means damage to vehicle as well) party........ i think the insured should pay since it was there fault
The insured drivers uninsured motorist coverage should take care of it. Doesn't matter if property is private or not.
Yes, this is because as you stated, the insured driver was at fault. The at fault driver is responsible regardless of the insured status of the person they hit. A good rule of thunb is this,, If they had insurance would I be responsible If the answer is Yes, then the answer is still Yes
Only if the truck driver was at fault.
If the driver with the suspended license caused the accident then he/she is responsible.
That's what Uninsured and Underinsured motorist coverage is for. You have that on your insurance policy. I have been in this situation. The first thing you do is talk to your insurance company. Tell them about the accident and how it is their fault. It is better if you provide proof like police report or written statements, but if not, it depends on how your insurance company rules it. From there, your insurance company should tell you what your options are. Most likely, they would go after the uninsured motorist and make them pay. You don't even need to deal with the uninsured motorist.
Underinsured motorist coverage is a coverage in case you have an accident with someone who doesn't have insurance or enough insurance. For example, if someone hits you and they don't have enough coverage to fix your car, your insurance would help you out.
The at fault driver always has the primary liability for the damages they cause in an accident. (The guy who rams the other guy).
That fool is going to be in jail for quite a while.
you can get fined if the police finds out
the uninsured automobile owner rhas to pay out of pocket for the damage
If you purchased uninsured motorists coverage with your policy you will be covered. The SR22 is not insurance, it's certificate of proof that you have insurance.