When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
Yes,, That's what it's for. It pays for damages you caused to another.
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
They can, but you can sue the other driver for damages.
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.
Yes you can. You may still receive a citation for not having insurance, however, the legal liability for the accident does not rest with you so the adverse party's insurance carrier will owe for your damages and/or injuries.
As long as the policy was in effect at the time the accident occurred then coverage will be afforded and damages will be paid.
The driver at fault is always responsible for damages incurred during an accident. The at fault insurance company is responsible for damages to your car.
The insurance co. has contractual obligation to pay for your damages. It's up to you to fix your car. <><><> If you are still paying for the car, the finance company will require that you have the damages repaired.
Auto insurance: An accident that damages your vehicleDisability insurance: An injury that causes you to lose wagesHomeowners insurance: A fire in your house that damages your personal possessionsHealth insurance: An illness that involves a trip to the doctor.
You call your insurance company and report it. if the accident is your fault, with very minor damage, you would be better off paying for the damages yourself, rather than telling your insurance company and having your rates go up.
No, if it is your fault you are not eligible to received diminished value from your insurance company. It has to be a third party claim, ie the party at fault's insurance company pays the damages if you can recover them.