Read your policy, Ask to see the video and photos, then maybe see a lawyer. However, the insurer probably has the choice to pay a claim or defend it, regardless of fault.
Loaded Question! If your insurance ran out, the car was parked, no. If there is something that happened to cause the former insurance company to drop you, yes. If something happened to the un-insured car that may need to be reported. If there is just a gap, no.
Of course not.
Call them and their insurance company.
If you know who hit your car, and they have insurance, then, yes, they should pay for it, so long as you were not parked illegally. Let YOUR insurance company handle this for you. That's what you pay them for.
It should. But it's much easier to collect if you have your own insurance.
The insurance company has no reason to raise your premium, the situation was completely out of your hands.
Whether or not your insurance goes up if you cause an accident depends on your company Ask your agent.
You and your insurance company are responsible.
If your car is parked and someone hits it, your rates should not go up. The other car's insurance company should take care of everything, even if you have the same insurance company. You are entitled to have your vehicle repaired following an accident that was caused by someone else.
mah dik big
You need to explain what happened first. What should the insurance company be covering? Many people do not have garages.
If your car was hit while parked and the other driver drove off, then you ask for payment under your collision coverage.