The person who hit the house would have to pay for the damage but that person can go back to the person who hit him causing the accident in the first place. It would work the same way as a three car accident.
Auto insurance covers damage caused during an accident. If the engine is damaged during an accident that's covered. If it's damaged for any other reason then that isn't covered.
If all you have is uninsured motorists then no it will not pay. you need liability insurance to pay for damaged caused to another. Liability is what your supposed to have.
Very likely yes. This is especially true since you are at-fault for the accident. (meaning you caused the accident). Some insurance companies reward loyalty and may have "accident forgiveness" program if you have been a long time customer with them.
Because the accident could have been caused by the use of drugs.
Yes, If the accident was your fault, then it is your fault. Whether or not they have insurance has nothing to do with who's at fault, or who actually caused the accident.
Basically, you have to pay for insurance. If you get into an accident, you are at least partly responsible for the damage that accident caused, whether or not you were at fault. Insurance helps to pay for that damage.
It is advisable to call your insurance company immediately in any accident. If you do not, they may think that you are trying to defraud them by hiding the accident.
I believe whomever caused the accident is at fault, whether their car was damaged or not. * The evidence compiled in the accident investigation will determine the responsible party. To determine who is at fault in a vehicle accident investigators use a method referred to as "chain of causation" and begin the investigation with the vehicle that was last in motion. This does not necessarily mean that the driver of said vehicle is the one responsible for the accident. It is quite possible that the driver of the vehicle that was not damaged will be the one determined to be responsible for causing the accident.
Report the accident to your insurance company. If this was a single car accident - meaning yours- your insurance will have to pay for the repairs minus your deductible. If another party caused the accident you need to turn their insurance information over to your company and they will take it from there.
If they were not parked illegally then they are not responsible for your accident.
In most cases, the company's insurance carrier will pay for damages, as long as the fault causing the accident was not caused by the employee. The employee here is representing the company in this case - if the employee is charged with negligent driving and was cited for causing the accident, the company insurance carrier will most likely pay, but will seek restitution from the employee. Could get into a real sticky situation.
Yes,, That's what it's for. It pays for damages you caused to another.