Perhaps some states require such notification but I have never been required to notify insureds of my liability determinations. You insurance adjuster sees far too many claims to be able to make extra calls to discuss the claim. Any adjuster I know will, however, be glad to answer any questions you have. Call them, or call your agent if you want to know! By the way, your adjuster has nothing to do with any premium increase. The adjuster's role is determine coverage and liability for a given loss, then adjust claims for damages. Premium increases are the result of a statistical increase in the likelihood of you experiencing another loss in the future which is based partly upon past claims you have had.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
I can only speak for Florida because that is where I live and it is a no fault State. In Florida it really would make no difference to you if the other driver did not inform his insurance company of an accident. Really, you would only have to file a claim with your own company and contact his insurance company after the accident. I would just make sure you have the other drivers info so that you can contact them about the accident.
No.
You can.
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.
If the accident was your fault, the other party's insurerhas no duties owed you.
Yes, usually.
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.
Yes.
They or their insurance company needs to pay for damage and medical bills in the accident. If they don't have insurance, they can still be sued for the accident by the victims insurance company.
Usually if an accident is determined not to be the insured's fault, then their insurance rates will not rise as the insurance company did not lose any money from covering the driver involved in the accident. If the accident is determined as being inconclusive, the rates may rise some, to adjust for the amount of money the insurance company lost in the accident.
The at-fault party's insurance should cover your vehicle. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?