Home owners if you have it may cover
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.
Automobiles are covered by Auto Insurance. If you have full coverage auto it will repair any damages caused to your vehicle by the shopping cart, minus your deductible of course. Homeowners Insurance does not cover automobiles, if it did, we would have no need for car insurance.
Your best bet is to sue the person for your damages and let the law take care of the other part.
Depends on the state.. and if the state is a "no-fault" state. Typically, in a no fault state, the person at fault pays for damages incurred. In a no-fault state (such as Michigan), each person pays for their own damages.
No The person who is at-fault is responsible for your damages. His insurance will pay for everything. Tow, rental, damages.
This depends on many factors, including the ability of the other person to pay for your damages. Some insurance policies will not require you to pay a deductible. Others will. If the other person can pay for the damages, you and your insurance will not have to pay.
An "estimator"
Having insurance in general is important; auto insurance especially. Not only is it illegal to drive without auto insurance, but if a person were to get into a car accident, he/she would have to exchange insurance information with the other person involved in the accident. A hefty fine can follow if he/she does not have insurance. The insurance will pay for the damages done so that he/she does not have to pay out of pocket. The same goes for homeowners' insurance. If damages are done to a person's house, then the insurance will pay for the damages. Overall, it doesn't matter if it is 21st Century Insurance or another insurance company. Insurance is very important to have.
The other person's insurance covers damamge if it was their fault.
If someone causes damages to your property, they are liable. This means, however that you have to deal with their insurance company directly, rather then your insurance company doing it for you.
No, the insurance company when settling the claim will have you sign a waiver of damages for their insured before giving you a check.
No, that's what car insurance is for. If someone hit your car, that person is the one liable for your damages, not the property owner where it was parked.