Auto/Car Insurance is a necessity and a law. So what happens when a person hits you and has no insurance? Always follow the protocol, take photos, exchange all pertinent information. However, be even more alert as fast talkers might ask you if they can pay for the damages and have a friend who can do the work. There isn't anything wrong with them wanting to pay for the damages out of their pocket, yet beware of using someone they recommend. Call your Insurance Agent at Withers Insurance before agreeing to anything. Better safe than sorry.