Other driver's insurance was fake — I'm the one without collision coverage. What now??

Former claims rep here. A few things worth knowing: even if her policy lapsed, the carrier she was previously with sometimes still gets involved if the lapse was recent enough and there's a dispute about the effective date. It's a long shot but worth asking them directly. Also — check your OWN policy really carefully for uninsured motorist coverage. Sometimes people have it and don't realize it was bundled in. I've seen that happen more than once. Pull the actual declarations page, not just what you think you signed up for.

Please don't forget about yourself in all of this. A T-bone hit is significant force, even if you walked away feeling okay. Soft tissue injuries and things like whiplash can take days or even a couple of weeks to fully show up. If you start feeling neck stiffness, shoulder pain, headaches — go get checked out and make sure it's documented medically. Don't just focus on the car.

The police report showing her at fault is genuinely valuable here. If you end up needing to sue her personally in small claims court, that report is solid evidence. You can sue for repair costs, rental expenses, and sometimes even filing fees. It's not fun and it's not fast, but for an uninsured at-fault driver it's often the most direct path. Just make sure you keep every single receipt for anything accident-related from here on out.

This is so unfair and I'm sorry you're dealing with it. You did literally everything right — called the cops, got the report, documented everything — and you're still the one scrambling. I really hope you find a path forward. Rooting for you.

Not legal advice, but this scenario — uninsured at-fault driver, documented police report, no collision coverage — is pretty common and there are actual legal options depending on your state. Some states have guaranty funds or assigned risk programs for exactly this. Also worth a free consult just to understand if pursuing the driver personally makes financial sense given what your damages actually are. The consultation costs you nothing.

I went through almost this exact situation two years ago. Uninsured driver, my fault for not having collision coverage, blah blah blah. What actually helped me was finding out my state has an uninsured motorist property damage fund. It's not a ton of money but it covered a chunk of repairs. Definitely worth Googling your state + "uninsured motorist property damage claim" before you assume you're just stuck.

Three things, in order: 1) Pull your actual policy declarations page today and look for UM/UIM property damage coverage — you might have it. 2) Call your state's DMV or insurance commissioner and ask about uninsured motorist funds. 3) If the repair estimate is within small claims court limits for your state, filing against her personally is very doable without a lawyer. Do all three before you spend another dollar on that rental without a plan.

That driver knew exactly what she was doing when she was pushing the "keep it between us" angle. People who carry lapsed insurance know it's lapsed. She was hoping you'd take cash, skip the report, and she'd disappear. The second you said you wanted a police report she was caught. Don't let anyone — including your own adjuster — make you feel like this is somehow your problem to absorb.