Originally posted by: Ultima
Well I'd just like to clarify that the insurance in Quebec is no fault, which means I go through my insurance company for everything. I don't think it even matters for me if he doesn't have insurance. I never heard of calling the cops unless someone was injured, so I didn't think of doing that.
Even with no-fault, if your insurance co can't recover the damages from the other guy's insurance, you'll have to pay your deductible and they'll pass the cost to your rates as well.