if the accident occured sometime between the 10th and the 22nd no it would not be covered!
yes
The moral answer would be for him to pay for the damages that he caused.
Anybody involved in an accident. Damages are covered regardless of fault.
When a car is uninsured and it involved in an accident, the owner of the car is responsible for its damages and that of the other involved cars. This rule applies even if the driver has his own insurance cover on a different car.
Yes, your homeowners insurance policy can be cancelled or non renewed if the insurer determines that your home or property has hazardous conditions. Especially if the homeowner has already collected on a claim and failed to make the necessary repairs.
If you report it to your insurance agency it will. If you decide to take care of the damages yourself, and not contact them, it will not.
Once your policy was cancelled you no longer have coverage. Hopefully the drunk driver has good enough insurance to take care of your damages.
Having insurance in general is important; auto insurance especially. Not only is it illegal to drive without auto insurance, but if a person were to get into a car accident, he/she would have to exchange insurance information with the other person involved in the accident. A hefty fine can follow if he/she does not have insurance. The insurance will pay for the damages done so that he/she does not have to pay out of pocket. The same goes for homeowners' insurance. If damages are done to a person's house, then the insurance will pay for the damages. Overall, it doesn't matter if it is 21st Century Insurance or another insurance company. Insurance is very important to have.
First of all you are really lucky that this accident was not your fault. The person who was at fault is responsible for your vehicle damages. If he is insured, then it is his insurance company that is responsible. ** Depending on your states laws, you can loose your drivers license for up to a year for not having insurance and being involved in an accident. If you received a citation at the scene of the accident for no insurance, you need to pay for that also.
The answer should be yes to both parts of the question. You should notify them.
It can take up to six months or longer if there where injuries involved.
when you get the insurance you can register your daughter as an autorized driver and the insurance will cover for the damages.