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.
If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.
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.
Turn your information into your insurance company anyway. You should be insured for that anyhow. Let them handle that.
The un-insured driver will have to turn to their health insurance company for coverage if he carried no auto insurance.
If the car that was involved, in an acident was insured yea!
A company that is fully insured goes to an insurance company and buys insurance. A company that is self insured does not buy insurance and plans to pay any claims out of the companies "pockets". For instance, if you own a home but choose not to buy home insurance, you are self insured if you should have a fire.
You can't unless they tell you who they are insured with. Who a person is insured with or even if they have insurance is a private matter between the insured and the insurance company. Now, if there is an accident and the police come to the scene they will collect that information and put it in the accident report. This is why it is crucial to always call the police to the scene of the accident no matter how much the other person begs to give them a break. Always, always!!! call the police to the scene of an accident. The exception is if the accident is on private property.
Sure. Remember that an insurance policy is a legal contract wherein the insurance company agrees to accept risk from the policy holder according to the terms of the contract. If the policy holder does not live up to the terms of the contract then the insurance company may deny coverage. For example, if the person lied to the insurance company on the application then the insurance company may deny coverage. One of the terms of the policy is that the insured agrees to inform the insurance company of all residents of the home as well as regular drivers. If the insured does not list his 17 year old child who drives one of the vehicles regularly and lives in the house and then the child has an accident the insurance company could not be expected to provide coverage for the accident. Since the insured broke the terms of the policy which is a legal contract then the company probably will not provide coverage because the insured committed material misrepresentation and lied in a significant manner on the application.
A company owns a truck that is used to move semi-trailers and this company is self insured has leased a driver from another company and the driver has an accident on the truck owners property that involves only the truck who would be responsible for the damages. The company who owns the truck and their insurance or the company who leased the driver ?
They will have a pink card stating the insurance company on it still, as long as the accident happened in the one day they were insured.