You have rights, unfortunately you have to prove that your car is worth more than what they are offering. Low miles, clean interior and exterior are sure ways to raise the value of the vehicle. If the vehicle was a pig sty the value just dropped a bunch. It also helps if you have receipts for any repair work that was recently done and paid for. You don't have to accept the offer, you can negotiate for more money but keep in mind the appearance of your vehicle.
you can go ahead and contact the other drivers insurance company and determine the status of the claim.
If you rearend someone, regardless of road conditions or the other drivers disposition on a drivers lic or insurance, you are still responsible. Not having a license or insurance is a civil matter, not involving insurance company.
Yes, if they run your information through the interstate system. When you apply for auto insurance, the insurance company checks your driving history via your name/dob/social security/drivers license number. The insurance company can see tickets/accidents recorded in other states and will base your insurance rate upon your driving history. If you have a drivers license in two different states, you are committing a crime in at least one state.
Depends on who's going to give you more money and other factors such as will your rates go up if your company pays you, etc.
No, you can't. When you collect from your insurance company, they will pursue the other driver's insurance because the accident wasn't your fault. When your insurance company finds out that you collected from the other insurance company already, they will come after you. It's called double-dipping and it most likely wouldn't end well.
Let your insurance company/agent handle the claim--they will collect from the other insurance if there is a valid claim. You'll need a police report.
Check this company they are very good and cheap compared to other companies. http://www.directautoinsurance.com/Virginia-auto-insurance/
Drivers car insurance in California is usually around 200 dollars a month. This however depends on the insurance and the other restrictions on different drivers in California.
If they don't have a licence they won't have valid insurance. Your own insurance company will advise; in the UK there is a pool to cover this, but it'll be different elsewhere.
The auto rates of Liberty Mutual Insurance is different for different drivers because drivers have different driving records. To compare this particular company to others, you may visit their website and compare it to whatever company you want to compare it to, such as geico.
Yes. Insurance companies don't just go off your drivers license record. They also check several other insurance company data bases because many accidents are not reported to the police. If an accident claim was filed the Insurance company who handled the claim will have it in their database as well.
Most insurance companies shy away from granting insurance to young drivers because there are new drivers and pose the greatest risk of getting into an accident. Because Progressive insurance does quite lot of advertising in regards to being better than the other insurance agents, one can look into getting cheap insurance rates for young drivers from this particular company.