No. You do. Otherwise you're not reporting the accident and eating the repair bills yourself. Unless you live in a no-fault state, in which case your insurance only ever applies to yourself and damages from other drivers to you are covered by your own insurance.
Otherwise, whomever is at fault (and their insurance by proxy) are responsible for damages caused to the other driver and their vehicle.
You can choose to not press charges, but that only means you're going to pay for the full repair bill out of pocket.
You also can't take money that doesn't exist. So someone without insurance likely doesn't have a huge savings to pull from. Which is why underinsured and uninsured motorist coverage is available.
> Insurance is mandatory, hence the 'filling out a form'.
Insurance is mandatory in the states too. But that doesn't mean people never drive uninsured, I'm sure it's the same in the EU. What happens if an uninsured driver hits you? You pay the bill entirely out of your own pocket with no repercussions for the uninsured?
Again, from one of the top results of your Google search earlier
> There is no guarantee that an insurance adjuster will pay out on your claim. There is no guarantee that the person who caused the accident will even have insurance. You may have to file a personal injury lawsuit to facilitate collection of your damages.
> In no-fault states, pursuing a lawsuit for a whiplash injury can be difficult due to threshold injury and damage requirements. In states not governed by no-fault law, you may be able to file a lawsuit as a matter of right. Should
No. You do. Otherwise you're not reporting the accident and eating the repair bills yourself. Unless you live in a no-fault state, in which case your insurance only ever applies to yourself and damages from other drivers to you are covered by your own insurance.
Otherwise, whomever is at fault (and their insurance by proxy) are responsible for damages caused to the other driver and their vehicle.
You can choose to not press charges, but that only means you're going to pay for the full repair bill out of pocket.
You also can't take money that doesn't exist. So someone without insurance likely doesn't have a huge savings to pull from. Which is why underinsured and uninsured motorist coverage is available.
> Insurance is mandatory, hence the 'filling out a form'.
Insurance is mandatory in the states too. But that doesn't mean people never drive uninsured, I'm sure it's the same in the EU. What happens if an uninsured driver hits you? You pay the bill entirely out of your own pocket with no repercussions for the uninsured?
Again, from one of the top results of your Google search earlier
> There is no guarantee that an insurance adjuster will pay out on your claim. There is no guarantee that the person who caused the accident will even have insurance. You may have to file a personal injury lawsuit to facilitate collection of your damages.
> In no-fault states, pursuing a lawsuit for a whiplash injury can be difficult due to threshold injury and damage requirements. In states not governed by no-fault law, you may be able to file a lawsuit as a matter of right. Should