Do Both Parties Have To Have Insurance In A Crash To Get Damage Fixed? 
The simple answer to this question is the driver who is determined to be liable for the accident is required to pay for damages , regardless if they have insurance or not . If they do carry insurance , then their policy will pay . If they do n't carry insurance , and your policy includes Uninsured Motorist coverage , then your policyshould pay for damage to your vehicle , minus any deductibles , and your insurance company will determine if they want to go after the liable party to recover their losses . If you were determined to be liable in this situation , then your insurance would be primary since the owner of the vehicle did not carry insurance . Even though the other driver was determined to be at fault , you could have your insurance company handle the claim and they will go after the other driver 's insurance company to recover anything they pay on your claim . Your car should be covered , regardless of who is at fault in this accident , since you stated thatboth drivers carried insurance . 