Time to dig into your savings and pay the claim yourself or you can find your drivers license suspended for the next 10 years or until you pay off your debt from the accident, whichever comes first.
Property damage liability car insurance will cover the individuals car and property that you hit. It will not cover anything to do with your vehicle if the accident is your fault.
You will need the basic liability insurance. This means that you will be covered for the other person's car if you are in fact responsible for the accident.
If you have liability for an accident, you will need to contact your insurance company. If you do not have liability insurance, you may need to pay for the accident out of pocket.
When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).
If another person was at fault for the accident, you will need to go after their insurance company. If you are liability only, your insurance company will not pay for anything.
Texas Liability insurance simple put is insurance that will cover the other driver's bills if you get into an accident. It will not cover the cost of getting your own car fixed or any medical bills you have.
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.
Vehicle liability insurance is insurance that only covers the other car. That means that if you get in a wreck, you are liable for what happens to your car. It also means that that your insurance company will pay for the damages to the other person's car if the accident is found to be your fault, but if it is the other person's fault, then their insurance will pay for the damages to your car.
You do not pay a deductible for the car that you hit. Your liability coverage does not have a deductible.
Vehicle liability insurance is insurance that only covers the other car. That means that if you get in a wreck, you are liable for what happens to your car. It also means that that your insurance company will pay for the damages to the other person's car if the accident is found to be your fault, but if it is the other person's fault, then their insurance will pay for the damages to your car.
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Liability coverage (often simply called "liability") protects you from damage you do to others or to property in an accident. Some level of auto liability insurance coverage is required in all 50 states - get info for your state's auto liability insurance coverage requirements here.