when in an accident & the other driver has no insurance?

[mars1977]

What is the name of your state? Kentucky

 

[Labtec600]

Depending on your state law, you can collect under uninsured motorist (deductible is usually less than collision).

If you dont have that or if your state doesnt have that, you file under your collision coverage and then the insurance company will go after the at fault party personally for damage recovery (the money they paid and your deductible).