Usually an at-fault accident stays on your driving record for 3 years. Therefore, the surchargeable accident will affect your auto insuranc premiums for 3 years. The surcharge begins at the renewal of your auto policy following the date of your accident. For example: You accident date was 7/15/2006 and your auto policy renews in August 2006, then the surcharge will be in effect until August 2009.
You guessed it!
Yes you can. You may still receive a citation for not having insurance, however, the legal liability for the accident does not rest with you so the adverse party's insurance carrier will owe for your damages and/or injuries.
The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the at fault vehicle is excluded from the insurance policy then the insurance company may be relieved from it's responsibility to pay on behalf of the owner of the vehicle.
If you have insurance on your car, and someone else is driving it, and has an accident your insurance rate will go up but it will cover the damages to the other persons vehicle.
Yes because you where still drinking
You are subject to liability insurance requirements whether or not an accident occurs. An accident has nothing to do with liability requirements. You are required to have liability insurance of at least the minimum required by your state before getting into a vehicle and driving it. Driving is what triggers the law.
Yes the insurance carrier of the person at fault will pay for the damages if they are in fact proved to be at fault. However you will be cited for driving without a license.
You insurance will be invalidated and you could be prosectuted for driving without insurance or MOT. Needless to say you would have to pay for any damages at the least.
The at-fault driver's insurance will pay for all property and bodily injury damages.
The at fault party is still liable to pay the damages. Added: Both parties will probably be cited for driving without insurance as well.
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
You will be punished for the violations that you have for driving with a suspended license and for driving without insurance. These punishments will be severe but vary from state to state. The violations on your part will not effect the fault of the accident and if the other party is truly at fault then their insurance company will pay for your damages incurred in the accident.