Who is responsible for damage to my car if I was hit by an uninsured driver?

In Delaware, if you are involved in a car accident caused by an uninsured driver, you bear the responsibility of any damage to your car. In the State of Delaware, all drivers must carry liability insurance. If you are hit by a driver who does not have insurance, you can make a claim against your own insurance policy under the uninsured motorist coverage provision. This coverage pays for the costs of repairs to your car, as well as any medical and other expenses you may incur as a result of the accident. If your uninsured motorist coverage is insufficient, you can file a lawsuit against the uninsured driver and attempt to collect damages through the court system. However, it is important to keep in mind that many uninsured drivers do not have assets to cover potential judgments. If the other driver is unable to cover the damages, you may only be able to receive a minimal payment, if any at all. Finally, you can also consider filing a complaint with the Delaware Department of Insurance. The Department may review your case and, if appropriate, pursue enforcement action against the uninsured driver. In any case, it is important to remember that uninsured drivers can present a significant financial risk for car owners in Delaware. To protect yourself from the financial consequences of an accident, it is a good idea to have ample uninsured motorist coverage on your automobile insurance policy.

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Who is responsible for damage to my car if I was hit by an uninsured driver?

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