Originally Posted by lz419
Same qs as well...what to do if the other driver is uninsured?
It depends on the type of insurance you have
You will be screwed if you have 3rd party insurance (property & theft) as your insurance company will not help you to make a claim against the other party. You will have to go after the at-fault driver personally or commence debt recovery action against him/her - a very long process!
Conversely if you have comprehensive insurance, you shouldn't be liable for excess as long as you could prove that you were not at fault or the other party admitted he/she was at fault.