at fault

Sorry to hear about your situation. The big question here is this: who was driving the car?

Sorry to hear about your accident. Regardless of whether you had insurance or not at the time of the accident, the at-fault party must pay for the damages.

Hello and thanks for the question. If you have liability insurance, the other party should be collecting from this.

An insurance company can deny a claim if the guilty party was not in compliance with the rules set by their insurance plan. This does not, however, mean the guilty party is off the hook.

Nothing would change in the way the claim should be handled, as far as damages are concerned. Any trouble he is in for not having insurance would be a separate issue.

I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.

You will have to have had your car insurance for a continuous six months in order to cease being penalized with a higher rate and get credit for having insurance — which should help your rate come down. See this guide to understand how and why a lapse in coverage impacts your premium.

This is considered a single-vehicle accident which is considered at-fault. Unfortunately, in this instance, insurance companies would prefer that you not swerve to avoid a collision.

Sorry to hear about your accident. You shouldn't need to get a police report if you were at fault and will be filing as a collision claim.

If the diagnostics are part of your car's repair and the other party is at fault, this expense should be covered by the insurance company. However, this is specific to your claim and you will need to contact the company that's paying for the claim to find out the specifics of what they will cover.