Isneo, when I read this, I knew exactly who to go to. My mom is a personal injury paralegal, been doing it for years. She deals with this exact stuff every day, so I am pasting the PM for you about what she said. I hope this helps you.
Mom: well the main thing is there is no insurance on the part of the other car.
renee29404: yeah, that's going to be a problem, I know
Mom: so if you friend has UM coverage, it will cover her as if the other car had insurance. If your friend doesn't have UM coverage, then she's screwed as far as a settlement. But her comp/collision coverage will still cover her property damage.
There you go. Basically, when the other person has no insurance, no lawyer will take a suit against them because there's no way to claim. Good Luck.
