No, The other persons Insurer is not responsible for the coverages or lack of coverage you decided to purchase from your own insurer.
If you rearend someone, regardless of road conditions or the other drivers disposition on a drivers lic or insurance, you are still responsible. Not having a license or insurance is a civil matter, not involving insurance company.
you can go ahead and contact the other drivers insurance company and determine the status of the claim.
You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
== == In the event that you got into a car accident and it was not your fault but the other driver's, if he is insured, his insurance company is liable to pay for the damages of your vehicle. On the other hand, if the other driver is not insured, your own insurance company, provided you have a policy regarding uninsured or underinsured drivers, will be responsible for the damages your vehicle has incurred. They however, may have a right of action against the person responsible for the accident. The person who caused the damage to your vehicle is ultimately responsible for the damage to your vehicle regardless of whether there is an applicable insurance coverage or not. Whether you actually have the repairs done is none of their business.
Yes, if they run your information through the interstate system. When you apply for auto insurance, the insurance company checks your driving history via your name/dob/social security/drivers license number. The insurance company can see tickets/accidents recorded in other states and will base your insurance rate upon your driving history. If you have a drivers license in two different states, you are committing a crime in at least one state.
This depends on the insurance company. Some insurance companyies will cover other drivers if they are not regular drivers of the insured vehicle. Other insurance companies will only cover the person insured/owner of the vehicle. Most of the time, there are riders you can attach for an additional charge that will cover other, occassional drivers. If there are two people that drive a vehicle on a regular basis, both people must be insured, and generally that's like covering two vehicles.
Depends on who's going to give you more money and other factors such as will your rates go up if your company pays you, etc.
No, you can't. When you collect from your insurance company, they will pursue the other driver's insurance because the accident wasn't your fault. When your insurance company finds out that you collected from the other insurance company already, they will come after you. It's called double-dipping and it most likely wouldn't end well.
The owner of the car is responsible for the damages that car creates, regardless of who was driving. If there is a lawsuit, the insurance company is certainly going to enjoin the driver. And you need to read the insurance policy carefully to know whether they cover other drivers.
Let your insurance company/agent handle the claim--they will collect from the other insurance if there is a valid claim. You'll need a police report.
You are responsible for the damage you cause in an accident, regardless if you are insured or not. Having insurance transfers your responsibility to pay for the damage from you to your insurance company. If there are injuries to the other party, then the other party's insurance should pay for their injuries, but you are still responsible for the property damage you have caused the other person.
That might be true....but not likely. Your health insurance company will follow up with the other company and you might find yourself in litigation due to this. There is no such thing as double dipping with insurance company. My children were recently in an auto accident. BCBS has already contacted us to inquire the other company that is responsible for payment.