If you aren't liable as the driver, and the biker is, how does it work if you car is damaged due to them not having auto insurance? One of the (few) nice thing

If you aren't liable as the driver, and the biker is, how does it work if you car is damaged due to them not having auto insurance? One of the (few) nice things about insurance is that when you are in an auto accident typically the insurance companies battle it out on your behalf rather than you have to sue somebody for damages directly.