I was in a wreck,not of my error as well as was told a motorist of a alternative car competence not have word as well as which i should record upon a incident of my insurance, is this right, shouldn;t a chairman which cauae a collision be a a single to pay.

Yes and Yes………
If the other party does not have insurance then you must file using yours, then your insurance will go after the other party but remember that you can do this yourself by suing them in small claims court.
Also bring everything including the police report, affidavits, pictures and whatever else you can and you will win plus you will get the court filing fees as well.