I am uninsured and was hit by an insured driver. Should I contact their insurance or would I get in trouble even if they're at-fault? 
There is no guarantee that the absence of insurance will not come back as an issue . However , if you are in a tort law state you are entitled to be made whole for your loss regardless of your insurance status . In most instances your insurance should n't come up if the other driver is not contesting the facts . 