yes they are responsible
Not in the United States or Canada, unless the employer also refuses insurance coverage to opposite-sex spouses.
Generally speaking, the person responsible for the accident is responsible for the damage. If the responsible person refuses to pay ot doesn't pay fast enough, the other can sue them if they wish.
If your home is/was mortgaged - the insurance MUST be in effect as protection to the mortgage holder. The insurance company is just making sure that you are not cancelling what is MANDATORY coverage to save yourself some money.
If your contractor refuses to give you copies or originals of the insurance papers, contact the insurance company themselves. If the insurance company name is not known, call the state you live in to inquire.
Antigone's brother
yes. you can sue an at fault driver if his insurance company refuses to pay your claim. it would not be proper to sue the insurance company.
Ismene, her sister
I hope you got a police report. If not call the PD and ask them if it's too late to file a report, some will do one weeks after as long as both parties agree it occurred. Second, appeal to your insurance company to file the claim under uninsured motorist insurance (you SHOULD have it). If all else fails, all you can do is go to small claims court.
Assuming the woman is at fault and caused the accident, she is certainly responsible for the damage caused. Whether or not a person has insurance has no impact on liability and they are still legally required to compensate you for the damage. If she refuses to pay outright, you will have to take her to court in order to recover. That's the frustrating part when people don't carry insurance. In most states, drivers are required by law to carry liability insurance, so it is likely she was driving illegally. Whether a person has liability insurance or not has nothing to do with whether or not they are responsible for the damage they caused to another vehicle. If the other person is the one that was found to be the one that caused the damage, then they are liable for the damage, whether they have liability insurance or not.
The insurance company will pay you the worth of your car minus your deductible.
Just Do Nothing Let It Go!!
Insurance fraud takes place whenever an individual takes action to receive benefits that they are not due. Classic examples of this may be burning down an insured house to collect the damages, or killing a spouse to collect life insurance. These are extreme examples, but they demonstrate the basic concept of fraudulently collecting insurance. Inversely, insurance fraud occurs when a company providing coverage refuses to pay out when the terms requiring payment are met. Recently the insurance company Aflac was accused of neglecting to pay out the claims incurred during the earthquake that shook Japan.