Fault

You can't really get no-fault unless you live in a state where it is required. Currently, 12 states have no-fault insurance laws: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah.

hotograph and keep accurate details of the damage. This can be a tricky situation because you are not insured and if the owner refuses to pay for the damages you do not have an insurance company on your side or to pay for the remaining damages.

Sorry to hear about your accident. Their insurance will likely try to verify you have no plan so they can pay their insured client under uninsured motorist coverage if they have it.

This can be a tricky one. If you have uninsured motorist coverage, which isn't required in Texas, you could file an property damage claim.

Because you were the not-at-fault driver here, your car insurance premium would not go up. If you do decide to file a claim, which you are in the right to, you would be filing it through the other driver's car insurance.

Most driving records insurance companies run will show the claim paid under "no fault" or "not-at-fault" and should not affect your rates at all. If your current car insurance quote reflects the accident as "at-fault," present the evidence you have in your favor and get a new quote.

Because of the way Utah's no-fault car insurance works, every driver is required to file a claim with their own insurance company after an accident, regardless of who was at fault. This is typically covered by your Personal Injury Protection coverage.

I would contact the police with what info you have. If you have the plate they should be able to locate the owner and either pull his insurance info or track them down to get it again.

Kentucky is much more expensive due to their insurance laws. Indiana only requires you carry liability insurance.

Because you're the not-at-fault driver, you would be filling a claim through the other driver's insurance policy. I definitely would repair the damage before you contact your lease, as the damage is probably a violation of your lease agreement.