text: car accident:  one insured, the other not ... who pays for damages?   if the insured person has collision coverage, their insurance company will pay, exluding the deductible.  if they were at fault, it stops there.  and their premium will go up.  if they were not at fault, the company will pay and try to go after the uninsured person.  (good luck.)  if the insured person has "uninsured driver" insurance, the company will pay any liability costs.  i'm not sure if being at fault comes into play here.