You were rear-ended by a uninsured driver in an insured vehicle whose policy owner does not live in the same address Can you use uninsured motorist property damage coverage from your insurance company?

Well, first of all, you dont need to use your own coverage if the other vehicle has coverage. Auto insurance covers the vehicle even if the driver is not listed on the policy, unless the driver has been excluded from the policy. For example, my friend was visiting from out of state. She borrowed my car to go to the store and had an accident. My insurance still covered the damages even though she was not listed as a driver on my policy.