Hey I just wanted to ask you guys for some advice as I have only had my license for a month and someone crashed into the back of me on the motorway in slow moving traffic hit me at about 5-15mph the guy came out and agreed that it was his fault but the only thing is he hasn't got insurance.. Which is totally unfair for me because my insurance company told me to get the fixes I'd have to claim it through my own insurance making my premiums go up and having to pay the first £500 anyways which makes this totally unfair for me making the other guy who has no insurance not have to pay anything at all?
Please can someone give me some advice thank you this happened in the United Kingdom so it will probably be different laws etc over here