If you are in a not-at-fault accident without insurance, you can file a claim with the other driver's insurance. If the driver that causes the accident is also uninsured, you can sue the driver for compensation.
When you are involved in a car accident that wasn't your fault, the first thing you need to do is collect evidence and witnesses. The insurance company may try to place the blame on you to reduce your claim.
These are the first steps you need to do at the accident scene to prove that you are not-at-fault:
Maybe it's unfair, but not-at-fault accidents can cause your rates to rise. Everything depends on the policy of the insurance company for not-at-fault accidents and the law in your state.
Some states forbid this act and prevent the insurance companies to raise your rates if you were part of an accident that wasn't your fault.
The key to finding the best insurance company that won't increase your rates after not-at-fault accidents is to look around and compare the best prices. Even though it seems impossible, there are still a lot of good options available.