Yes, If you don't they will find out anyway. Then it looks like your hidding something. Honesty is the best policy.
If you have not received a ticket, then NO! If you received a ticket they know already. If you are applying for insurance and received a ticket for reckless driving, then the answer is yes!
If you are located in a flood zone they are probably obligated to their shareholders and the other people they finance for to assure the stability of the company to make sure that you have flood insurance and property insurance.
If the company finds out about it, then it should.
You don't. You sue the individual. The insurance company is obligated to take care of the obligations of the individual.
Yes and maybe.
Depending on which insurance company you have, it is possible that you will be dropped for conviction of exhibition of speed in California. The major insurance carriers will see you as a risk and will not want to provide coverage.
Yes. They will likely cancel your insurance if you fail to disclose your DUII because of insurance fraud.
Yes, they can take you to court over the damage that you caused. Your insurance company would be obligated to defend you assuming that you are cooperating with their defense efforts.
Insurance could become invalid and if any claims have been paid by the insurance company they could ask for that to be paid back to them.
How "minor" the damage is has nothing to do with it, in the eyes of the law. You are obligated to call the insurance company immediately to protect your own legal position.
Businesses with less than 50 employees are not obligated to provide health insurance; so in this instance, employers can pick and choose if they wish. Businesses with more than 50 employees are obligated to provide insurance. If they do not, a penalty must be paid for every employee in the company.
In most cases the provider can not. The provider is obligated to bill the insurance. The reason is such transactions can lead to insurance fraud.