Yes,, That's what it's for. It pays for damages you caused to another.
The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the at fault vehicle is excluded from the insurance policy then the insurance company may be relieved from it's responsibility to pay on behalf of the owner of the vehicle.
The insurance company is not liable to pay out any damages that were caused in the accident and they cancel your policy. This means that the driver bears the full financial burden for the costs of the accident.
Yes,, you are required to be financially responsible for any accidental loss you caused. It does not mmatter if you, or the Insurance Company pays the bill. So long as you take car of the damages you caused.
Depends. If said friend has insurance then in most cases their insurance will cover the damages due to vicarious liability. If the friend does not have insurance, you are then responsible for any damages caused.
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.
It depends on if you have a lien placed on your vehicle (by you lender. If you own the car free and clear, you can take the insurance money and not repair the car, but if there is a lien on your vehicle more often than not the insurance company will make the check out to you and your bank.
you got to jail for not having insurance or a vaild license and you are personally liable for all the damages you caused.
You can only claim against the rental company if the driver took out their insurance. If he has his own separate insurance, that is where you need to make the claim.
Not sure what you are asking. If you had no insurance and caused the accident you are responsible for paying for the other driver's damage and injuries. If the other driver was at fault, you are entitled to payment for your damages and injuries from either the driver/owner of the other car, or their insurance company. If you had your own collision insurance, you could make the claim with your company and let them worry about collecting, but if you don't, you will need to file the claim with the other party's insurer or hire a lawyer and sue them.
The moral answer would be for him to pay for the damages that he caused.
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.