If you are hit from behind it is virtually always the other driver's responsibility/fault. If that driver had no insurance, there may be uninsured motorists property damage cover on your policy and if so it may have a lower deductible than your collision coverage. IMPORTANT NOTE: most insurance companies have a limit on the amount of time in which you can make an uninsured motorist claim. Sometimes it is few as 30 days, so you need to get busy. Contact your insurance agent and if you purchased your policy from a direct writer (no agent per se involved), then contact the insurance company claims office tout suite and start rattling their chain.
If you are hit by an uninsured motorist and you have no applicable coverage of your own, you'll probably have to sue the other person.
Sorry to hear this happened to you.
