Yes, It's part of your insurance contract that you signed when you applied for coverage. All insurance contract terms require that a statement be given by any and all parties regardless of age so that the Insurance Company can determine who is At Fault.
Refusal of a statement can cause you to be found liable by default of your insurance contract. It makes you sound guilty as you seem to have something to hide.
It's usually the at fault party who is is afraid or refuses to give a statement. In these circumstances you will generally be determined at fault and will be entered in your insurance record and you insurer will have to pay the other party for all damages up to your policy limit.
Refusal to honor the terms of your contract by not giving an accident statement can also cause your insurer to cancel your policy and you may have difficulty finding another insurance company in the future as your driving record will indicate that you are uncooperative and you have violated the terms your previous insurance contract.
The owner of the car is liable for the accident itself and the damage. However, the insurance company might have to pay for it, depending on the owners insurance cover.
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
It does not matter to an insurance company that the other driver had a suspended license. Liability is determined by the factors of the accident and the evidence put forth. The fact that the other driver had no license does not affect liability or the handling of the claim.
After a car accident, one must immediately contact their insurance company to file an auto accident insurance claim, even when the other driver was at fault. Make sure to have all the other driver's insurance information so that the other company can thoroughly investigate.
If the other party is refusing to call their insurance company - then you should call their insurance company and file the claim.
If a taxi driver hits you, and its his fault, the cab company's insurance pays.
It is up to the driver to subit the auto accident claim. You should submit the claim as soon as possible after the accident.
The insurance company of the driver "at fault,' or from their personal funds if they have no insurance.
Some do. I work for an insurance company and many will take ownership of the accident.
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.
The Insurer of the at fault driver pays for the accident.
One of my family members was hit by a driver who carried insurance but was an "excluded" driver on the policy of the car she was driving. After talking to the other person's insurance company, an excluded driver is essentially equivalent to an uninsured motorist. That means that his/her insurance company will not represent them and that, if they are liable for the accident, your insurance company can go after them personally for the damages.