As a rule of thumb, the responsible parties insurance carrier in an automobile accident would cover tow charges to the other parties vehicle (as well as the tow charges for your vehicle, providing you carry collision coverage), and the "clean-up" is usually performed by the tow company. Therefore, the responsible carrier would be responsible for the charges. Otherwise, they could be liable for addition accidents or damages caused from the debris left behind.
You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.
You should be talking to the insurance company that insures the vehicle you were a passenger in. If it was a single vehicle accident they will be responsible but if it wasn't then the at fault drivers insurance would cover it.
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Not unless there are unusual circumstances. Generally the insurance provider of the person who is deemed to have been responsible for the accident is liable.
The Company who owns the vehicle would be responsible for deductibles listed on the policy their own policy.
The driver at fault is always responsible for damages incurred during an accident. The at fault insurance company is responsible for damages to your car.
When people have accidents in their automobile and someone is injured it is required to report it to the police and to their insurance company. This is because the injured person may need a doctors care and the person responsible for the accident is the one that will be required to pay through their insurance company.
An insurance company generally does not pay the lien holder directly. The vehicle owner is responsible for paying for insurance coverage and will often deal with the insurance company themselves after a collision has taken place.
Subrogation occurs when an insurance company goes after the party responsible for an accident or damages. You would use your insurance company for subrogation. This is something that the company will handle on their own. In most cases you do not have to do anything.
You are responsible for the damage you cause in an accident, regardless if you are insured or not. Having insurance transfers your responsibility to pay for the damage from you to your insurance company. If there are injuries to the other party, then the other party's insurance should pay for their injuries, but you are still responsible for the property damage you have caused the other person.
There is more than one answer to this question. Because you did not state who was at fault in the accident. If the other driver was at fault, it is that person or their insurance company that is responsible for the repairs on your car. If it is the friends fault, then it is the friend that is responsible. Even if the friend did or did not know you had did not have insurance.
Only if you expect your insurance to cover you if the child has an accident. You auto insurance contract states that you are responsible for listing all household members and drivers who drive your vehicles. If you do not do this then you have committed material misrepresentation and the insurance company is then not responsible for paying for the damage from the accident.