No more than 3 years.
The insurance company is the one that determines fault so if you deny it, they can still rule against you.
Yes, If the accident was your fault, then it is your fault. Whether or not they have insurance has nothing to do with who's at fault, or who actually caused the accident.
Liability insurance.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
Liability and medical insurance.
He may be at fault for not having insurance. He may or may not be at fault for the accident. Whether or not a driver carries insurance is a separate issue than the one concerning who is at fault in an accident. Do not confuse them or let them overlap. A good, objective assessor won't.
Who is at fault has to do with the accident itself not the insurance coverage. A police report of the accident and looking at the proximate cause of the accident help determine fault.
It depends on what type of insurance policy you have. Some states have the "no-fault" insurance policies wherein the insured party may be compensated regardless of who is at fault in the accident.
You need a life insurance policy to cover the risk of death and a health insurance policy as a cushion against hospitalisation expenses. Buy Personal Accident Insurance Coverage :
No.
No. If the accident was your fault, you can not get money from the other person's car insurance.
No, The at fault driver in the other vehicle is responsible for your losses. Not the person from who you borowed the car you were driving.