Will the insurance on my car still pay me for my totaled 2001 Jeep since I was in accident that not my fault and the other uninsured driver ran a stop sign at high speed?

Obviously every insurance claim is different, because every policy is different. For a specific question about your policy, call your broker or have a lawyer examine your policy. WikiAnswers does not claim that this is perfect answer or a necessary indication of what the insurance company will do.

With that disclaimer, there are two general types of car insurance coverage for collisions: liability and collision. Liability is far more common and required by law in most US states. However, liability only pays for damage incurred on the other person's car. So, for example, if you caused damage to another car (and depending on the fault rules in your state) that other car's driver could recover from your liability. Collision protects your own car from damage. If you have only liability in the present case, your insurance will not pay for your totaled car. Conversely, if you have collision, it is likely covered. In order to recoup the cost for your 2001 Jeep if you do not have collision, you need to collect it from the uninsured driver, either by asking him (and hoping he is a decent human being) or by suing him for the moneys owed.