Ask the insurance company why they are no longer paying the rental bill. If they have accepted liability the only reason they would stop paying would be due to the repair shop taking excessive time to complete the repairs. (In the insurance company's opinion). Although you will be roped into this, it should be between the insurance company and the body shop. If the insurance company won't budge ask the repair shop to pick up the remainder of the rental bill until repairs are complete. This is common in this industry.
No, if you have the right coverage (collision) your company will still pay for your car.
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.
It depends on the type of accident. Minor fender bender can be repaired & you will still be safe. If you get into a serious accident where is goes into the passenger or driver compartments, & u get it repaired, it probally would NOT be safe.
yes yes
Driver's licensure is a condition of getting auto insurance.
Usually you sacrifice covering damage to your own vehicle in any type of accident. Most bare bones insurance plans only cover the other driver in an accident so that you would not be held liable.
No. Their insurance will cover the damage to their vehicle, though they will not be happy about an unlisted driver being behind the wheel having an accident. If they have no physical damage coverage it will not be repaired or replaced.
It depends on if you have a lien placed on your vehicle (by you lender. If you own the car free and clear, you can take the insurance money and not repair the car, but if there is a lien on your vehicle more often than not the insurance company will make the check out to you and your bank.
It is possible that the insurance rate would go up if a permitted driver has an accident. Usually, raising insurance rates is not an individual decision.
The insurance on the car will cover unless the driver has been previously excluded the full provisions of the policy covering the vehicle applies with legal permissive use.
If you have reported the accident and your insurance company has repaired the other driver's vehicle, it more than likely will affect your rate. When you are at fault, it always affects your insurnace.
Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.