What if an accident occurred and one of the party’s had insurance and the other did not, can the not-at-party use their own insurance to cover the damage since the at-fault party was uninsured? The driver who was at fault car was totaled and towed away. The insured motorist drove away and had no visible damages. Now the not-at-fault is claiming 11k in damages. This is hysterical, not true at all. Now insured wants to file a claim in the amount of $11,000. The uninsured doesn’t have these funds available. What should they do?