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If the other party was At Fault for the collision (negligent), you should assert a claim against the other driver/owner. Contact him/her in writing, assert the nature of your claim, and ask that they contact you to pay for repairs. Copy the insurance company with the letter, and make reference to the policy number in the letter so that the insurer can identify it and assign an adjuster. Ideally, you should get a repair estimate before or while you are doing this. Take pictures of the damage, too.

If no one responds within a reasonable time (10-14 days or so), you are free to file suit. The court in which you file will depend upon the court rules of your state, as different courts have different monetary jurisdictions, so you should contact the Clerk of Court for guidance. The lawsuit needs to be filed with the Clerk (for which there will be a fee), and a copy of the suit papers served (delivered) to the person(s) being sued by the Sheriff or a private process server (who will also charge a fee). The matter will thereafter proceed through the court system, and it will be your burden to prove at trial that the other party was at fault for the collision.

If the other party was not at fault and you have no physical damage insurance on your car, you will have to pay for repairs yourself.

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Q: What can you do if a car hits your car and you have no insurance but he does?
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