Yes, when anyone other than a person who lives in the residence is injured, the homeowner should inform his insurance agent as soon as possible.
No, you bought the car most likely with a warranty that may cover this. Your insurance company will not cover failing breaks. They do not inspect the breaks when you but it why would they cover it if they fail. Call your insurance company, they will tell you. You also get a book with your insurance policy that says exactly what they cover.
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