Yes. In most states, you can then buy the car back from them at a salvaged price.
If the car that was involved, in an acident was insured yea!
yes
If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.
No. As long as you were not involved in the accident then it shouldn't affect your driving record. You must also not be the owner of the vehicle that was involved in the claim.
If the repair cost is higher that the ACV (actual cash value) of the vehicle, then, the vehicle is declared total loss. That is pretty much the only guideline used by Insurance co.
yes
Vehicle insurance is one of the most important things a driver can buy. Without insurance, some drivers involved in an accident can be stuck with hundreds of thousands of dollars worth of damages that they have to pay.
That is the part of your insurance that pays for damage to your vehicle, when you are at fault, if you are involved in an accident. This is coverage would need to be purchased in addition to your regular liability insurance.
The second vehicle will be covered by it's own insurance. That company will then attempt to sue the driver to recoup it's losses
NO, that's what the vehicle insurance is for.
Your personal auto insurance will be secondary to the insurance of the vehicle that you are driving (assuming you do not own it and it is not a business vehicle). If you get involved in a car accident while you are operating a vehicle that is -not- yours, then the insurance of that vehicle has to pay first, and if that insurance is not enough (or is not there) then your insurance will kick in. Notice that if you get pulled over by police they will ask you to show proof of insurance on the vehicle (not your insurance.) The law requires all vehicles to be insured, not individuals.