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

In Washington, if you are hit by an uninsured driver and your car sustains damage, you are typically responsible for the costs associated with repairing the damage unless you have uninsured motorist coverage. Uninsured motorist coverage is an optional type of coverage that provides protection in cases of accidents involving an uninsured driver. If you have this coverage, then your insurance provider will cover the cost of repairs and any medical bills incurred from the accident. You can also look into filing a claim with the Washington State Office of the Insurance Commissioner (OIC). The OIC can help you receive compensation for repairs, medical bills, and other damages as a result of an uninsured driver. In order to be eligible for compensation from the OIC, you must provide the other driver’s information and prove that the driver was at fault for the accident. Your best bet for coverage following an accident with an uninsured driver is to contact your insurance provider and the OIC to explore all options available to you. In Washington, you may be able to receive compensation regardless of whether or not you have uninsured motorist coverage on your policy.

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