You notify your insurance agent and he takes care of it, if its your fault. If you don't have insurance, you probably have to pay.
no, because sometimes the other person cause the accident.
the person that is found responsible ( at fault ) for the accident
It can be either, both or none.
An exchange is when both sides agree on a swap sort of thing, both sides benefit from the switch. A transaction is goods going from one person to the other.
The police should always be called, and here's why. You bump a truck. You exchange information and everyone's happy. The truck gets an estimate for repair. The estimate is far more than you expected it to be. Now there's a problem, because you think you're being fleeced and he wants his truck repaired. Or, you pay him and then he wants more money. The two of you end up in small claims court. With a police report, the accident is documented and your insurance companies can work everything out.
The climatic scene is as a result of both fate choice and accident depending with whether the person was able to access information at the weather forecast.
The driver responsible for the accident is always at fault. However, Both parties are usually found at fault in this instance. This is generally called Joint fault.
The insured and the owner of the vehicle are both legally responsible for the vehicle and they could both get sued for an accident.
ambidextrous
You should call the police regardless of whether or not the other person wants the police called, especially if there are any injuries. A police report will give you an official account of the accident to give to the insurance companies, will have all of the information about both parties and will help establish which company is responsible for the repair and any medical costs. If the person leaves they may face additional problems and if the police do not come you can go to the local precinct and fill out a report there.
it counts if the other person ran a red light or a stop sign most of the time at least 1 person gets a ticket if not both
Demand letter would be sufficient in this case.