The person who hit me was not the registered owner nor the insured, is that a problem?

As long as the vehicle was insured and the teen driving the vehicle was covered under her father's car insurance policy then you should not have any problems because someone other than the owner was driving the vehicle at the time of the accident. If the teen was an "excluded" driver or was not covered by the car insurance policy, then you can sue the teen, and possibly the father depending on the circumstances. You can also make a claim against your own car insurance company for Uninsured Motorist benefits. This is more complicated. You might want to talk to an automobile accident attorney. Most of these attorneys offer a free consultation so it will not cost you anything to learn more about your rights and options.

Was the driver a licensed driver or with a learner's permit? How much are your damages? The owner of the vehicle is still liable for at least $15,000.00 under the theory and law of permissive use. Sometimes young drivers are specifically excluded on insurance policies and if that is the case you may be limited to the permissive use amount.

If you have uninsured motorist coverage, you should report the claim to your insurance company, and let them sort out the coverage issues on the other side.

Not as long as he/she is driving with the owner's permission, than technically they are an insured as well.

It is possible that it could be a hindrance to settlement, but I do not think it will be a problem. If for some reason, the insurer for the other car decides the accident is not covered, then you cannot go against the father's insurance coverage. However, generally the insurance should cover any driver who is using the vehicle with the owner's permission. If the accident is not covered, then your uninsured motorists coverage should cover the accident.