When dealing with a typical auto accident, whose insurance pays for the damages is dependent on who is at fault for the collision.
Liability Coverage Under the Other Driver’s Insurance – If the other person’s insurance company accepts that their driver was responsible for your accident, they will normally pay a standard amount for you to have your car repaired. Unfortunately, most insurance companies aren’t known for their timeliness. This means you could be left without a car for days or even weeks as the insurance company determines fault, damages, and how much they are willing to pay. Beyond that, the insurer may try to low-ball your payout.
Collision Coverage Under Your Insurance – In situations in which the adverse driver is uninsured or underinsured, you will likely have to file your claim through your own insurance. In such situations, your deductible will likely be lowered or even waived provided you have uninsured and underinsured driver coverage. A major benefit of dealing with your own insurer is that they are much more likely to want to help than the adverse driver’s insurer and will be faster at getting your claim resolved.
Note that there is no prerequisite saying you are barred from seeking compensation from the other driver’s insurance if you do not have insurance of your own. They only requirement is that that driver is determined to be at fault for your accident and your injuries.