They can sue you. If you have no money in the bank or no assets (a home, vehicle, valuables), then it won't do the other person any good. It will be nearly impossible to get insurance now that you have an accident on your record without coverage (big no no). In the mean time, hopefully the other person has insurance to cover themselves against people who are uninsured in an accident.
Liability insurance.
Liability and medical insurance.
Yes, if there is an accident.
You need a life insurance policy to cover the risk of death and a health insurance policy as a cushion against hospitalisation expenses. Buy Personal Accident Insurance Coverage :
If you have had an accident with this person then his insurance information should be present on the accident report. If you have no claim on this person's auto insurance then it is not your business whether or not he has insurance.
If you were involved in an accident with this person then their insurance information will be listed on the accident report. If you were not involved in an accident then it is not your business who they have insurance with. Much of this is covered by the privacy laws so if you really have to know ask the person.
Who has insurance and who has license, is a non factor in determining liability for the accident. The person who is at fault will be based upon the police report and who caused the accident. You have no insurance, and have left yourself wide open to a judgment against you that could cost you plenty. You chose to drive without insurance, and in doing so you will be require to accept responsibility for your actions. You do not even have uninsured motorist insurance to cover your damage even if the other driver is at fault and cannot pay. You were not insured, and will now pay for that mistake.
You can file a claim against your insurance company for an action caused by another person with no insurance if you are covered for such an occurance. An example would be if you had uninsured motorist coverage and were hit by someone without auto insurance. However if you want to file a 'claim' against the person directly who has no insurance there is no one to file the claim against. The only alternative here is to sue the person in court.
the insurance of the person responsible for the accident
The definition of leaving the scene of an accident is a person who flees an accident after being part of it. They drive off without giving insurance information or waiting for the police to arrive at the scene.
they sure can they can be used in a court case and insurance companies will also request these samples