Our insurance company actually took the word and sided with the illegal.
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You pay for insurance and your rates can and will be raised ,, the other driver is a dead issue to them ,, charging him with the accident gets them nothing..
From your reply I take that a policy holder buys/pays for insurance but in the case of an accident your insurance company gets to decide if they want to reimburse you for someone else’s lack of insurance. Just reinforces my belief that any accident insurance company is solely for the benefit of the company.