Pray you didn't hurt someone otherwise you might have a lawsuit on your hands.
Your auto insurance should be lowered if you do not have an accident or tickets for a year.
After an accident, all parties involved with the accident should exchange insurance information. Typically, the insurance companies will talk to each other about repairs and cost.
If you have had an accident with this person then his insurance information should be present on the accident report. If you have no claim on this person's auto insurance then it is not your business whether or not he has insurance.
the insurance of the person responsible for the accident
It is up to the driver to subit the auto accident claim. You should submit the claim as soon as possible after the accident.
The insurance should cover an accident while it was in force. If you had insurance 2 months ago and the accident happened 2 months ago, coverages should apply. If the accident happened today and the coverage stopped 2 months ago, there should not be coverage.
you should get a cheap layer.
A car insurance commercial should include a number of things. A car insurance commercial should include the cost of the insurance and what exactly the insurance would cover in the event of an accident.
Probably. When you purchase insurance, you are insuring the car. If you drive someone else's car and have an accident, their insurance should cover the costs (but their insurance *may* sue your insurance company for compensation/reimbursement.)
It depends entirely on your insurance, the other driver's insurance, who's at fault and what injuries and damage were involved. Nobody should 'make' money due to an accident, but they should be put back in the shape they were before the accident or compensated for what can't be returned to the original status.
You should be talking to the insurance company that insures the vehicle you were a passenger in. If it was a single vehicle accident they will be responsible but if it wasn't then the at fault drivers insurance would cover it.
In the event of an accident, you should gather the insurance information of all parties involved, including their insurance company name, policy number, and contact information.