This depends on the state. For example in PA if you have a vehicle registered but do not insure it, then your medical claim will be denied. In FL your insurance covers your injures regardless of fault and regardless of the car your in. If you are injured as a passenger in some one elses car your injuries are only covered by the owners insurance if you do not own a vehicle.
NO. the accident happened while he had his fathers car insurance. If he switches insurance he still uses the insurance he had when he got into his accident. However, your health insurance with pick up the difference.
Auto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.
Report the accident to your insurance company. If this was a single car accident - meaning yours- your insurance will have to pay for the repairs minus your deductible. If another party caused the accident you need to turn their insurance information over to your company and they will take it from there.
If the accident was your fault, the other party's insurerhas no duties owed you.
What is "it"? The question is not clear.
Yes.
When you cause an accident that damages another vehicle or hurts someone
Yes,, That's what it's for. It pays for damages you caused to another.
The insurers of the driver who was deemed to be at fault for the accident.
You don't. You sue the individual. The insurance company is obligated to take care of the obligations of the individual.
If all you have is uninsured motorists then no it will not pay. you need liability insurance to pay for damaged caused to another. Liability is what your supposed to have.
The rule of thumb is that the owner's insurance pays first and, if that coverage is inadequate, the driver's car pays.