Yes, You are still respnsible for the damage you cause to others. A suspicion that someone elses property may or may not be insured or properly taxed is irrelevant to the fact that you dmaged their property and are legally liable for those damages.
As long as you have collision yes insurance will cover the damage that was done.
Usually, 50/50%. Depends upon the state laws. Get your own insurance company involved. When a car made a right from the second lane and scraped across my bumper I didn't have any damage so I didn't notify my insurance company. The other driver was clearly at fault and was given a ticket for making an illegal turn. A few weeks later I got a letter from his insurance company saying that their investigation had determined I was at fault and I should send them $$$$$. I sent the letter on to my agent and my company made their own investigation (simply requested the police accident report). Hopefully, you have a police report.
Horace Mann is a private insurance company selling products for profit. Their products are not insured by any government authority.
Yes
Yes, if it was a "true" accident. My wife once backed in one of our cars from the garage and didn't notice the second car was in the driveway.... Yes, stupidity but it happened. It wasn't fabricated a mere distraction. The bad part is that being your own insurance, they will charge you 2 deductibles, one for each vehicle.
You would discuss this with your insurance company. They are the ones to decide if and how much to pay the claimant and your input could help.
space shuttle
The insurance company claims there is a Michigan law that prevents them from paying a claim on two insurance policies from the same residence
You start by calling your insurance agent, who can inform you on how to proceed from there.
The answer depends upon whether or not you maintained collision coverage on your car. This is a type of "first party" coverage that pays for physical damage to your car, usually subject to a deductible. You could normally make a claim to your own collision insurer if you had that coverage. If the driver who backed into your car had liability insurance, you could make a claim against her.
yes, do it NOW.......waiting will only cause you problems, be honest and your company will more than likely handle this..........
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