It depends on the type of damage.
If someone causes damages to your property, they are liable. This means, however that you have to deal with their insurance company directly, rather then your insurance company doing it for you.
In most countries a driving licence could not be taken as payment or punishment for damages owed to an insurance company as that you be a civil matter.
Landlord insurance is not an insurance company. It is a type of insurance that covers a owner of a rental property from damages that may occur to their property.
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Payment of damages by the insurance company against your Householders' policy is paid directly to your account through NEFT,instead of cheque as was customary earlier.
Ask the insurance company or your insurance agent.
The meaning of builders insurance is property insurance which protects the person against damages to a property, while that property is still under construction. There are many risks when a building is under construction and the builders insurance protects the person from those risks.
If you are having this construction done by a bonified contractor, then their insurance should cover any/all damages. If you, the homeowner, are doing the construction and someone gets hurt, your home hazard insurance policy should cover that. Your home policy most likely will not cover other damages.
They made spurious claims for damages to the insurance company.
They generally will pay by check.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
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.