my uninsured car was hit by a unlicensed driver but the owner has insurance
So long as the driver was using the vehicle with the owner's permission, the owner's insurance company should investigate and cover the loss if the driver is at fault.
Contact his insurance company immediately and present your claim.
If you were injured in the accident, your best bet to obtain the maximum settlement amount in this case is to ensure you have completed the necessary medical treatment and consult with an attorney in your area to obtain a more specific answer and get all of your legal options before deciding what to do. The attorney will also investigate all available coverages to ensure you have the maximum amount of coverage available to you. You can use the "Find a Lawyer" link at the top of this page for names of attorneys in your area. Most offer a free consultation and work on a contingency fee basis, so you won’t have to pay anything up front.
Since MN is a No Fault State, generally your insurance would cover the damage. If the other driver is at fault you will have to make a claim against that person and their insurance company would defend. You could write a letter to the driver demanding the amount you feel is owed and if the did not pay, file an action in conciliation court, assuming damages are within the statutory limits. Good luck.
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