Where I live you would be responsible to pay the deductible on the repairs and you would be surcharged (increase in your ins @ a certain % and for a period of time usually 3 yrs)always double check with your ins co. different state have different policies. Bottom line , even though the person who got hit took off it was'NT their fault, they probably didn't have a license or ins.the accident was your friends fault.
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
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.
Then you are going to be out of pocket. For the repairs and possibly a fine.
Your insurance may go up, you can get a ticket, you have to pay for repairs, you can be hurt, you can hurt or kill another person, you have points added to your driving record, you can loose a license or have it suspended if you are at fault.
dont do nothing just relax and watch a movie
After an accident, all parties involved with the accident should exchange insurance information. Typically, the insurance companies will talk to each other about repairs and cost.
If you have an accident and you are driving without insurance then you will not be bale to get any help towards the repairs of the vehicle. If another vehicle is involved you will be liable to pay for the cost of that one as well. If someone is injured they may make a compensation claim for their injuries and you will have to pay for that as well. In some countries driving without insurance is illegal and so you could face criminal charges too.
Yes. The guy who hit your car pays or his insurance covers it.
after an insurance company is involed after a road traffic accident can i refuse thier offer and do the repairs myself
Yes, you do.
Yes, if your policy has adequate coverage. If you have full coverage insurance, your car will be repaired completely and your portion of the repairs will be whatever your deductible is.