I would call their insurance, if you did not know who they are or they didn't have insurance, I would call your company and they can get the ball rolling.
The driver at fault is always responsible for damages incurred during an accident. The at fault insurance company is responsible for damages to your car.
The at-fault party's insurance should cover your vehicle. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?
Yes, If the accident was your fault, then it is your fault. Whether or not they have insurance has nothing to do with who's at fault, or who actually caused the accident.
My plan was denied and it was not my fault it was the other drivers fault because police and show up to make a police report it is really his mind
The insurers of the driver who was deemed to be at fault for the accident.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
the insurance of the person responsible for the accident
Insurance stays with the vehicle, the policy that insures the 'at fault' vehicle will have the rate increase should there be one.
it depends on whose fault is it. if yours than around 8 months. if there's than probably 4 months.
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.
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.
It depends on what type of insurance policy you have. Some states have the "no-fault" insurance policies wherein the insured party may be compensated regardless of who is at fault in the accident.