It is always the at-fault party's responsibility to pay for the damage they cause in an accident. Insurance is a transfer of risk from the driver to the insurance company, but if the coverage (collison) does not exist on the car, then the driver will be responsible to pay out of pocket for the damage.
than your car is totaled and your insurance company just pays you a dollar amount instead of paying for the repairs... assuming you have insurance
Under most policies, the car owner's insurance will cover you and the damage done to the vechicle. If the fault was yours, their insurance company may request that your insurance pays for some of the damage, or that you pay for the person's deductible.
It belongs to the insurance company
Mostly because most states won't give you a tag for your car without you having liability insurance on the car. if you cause a wreck the insurance pays for the damage you caused and if you don't have enough coverage the injured party may go to court and sue you for some more money. Liability insurance does not pay for damage to your car. To get insurance you have to have a drivers license. If you get checked at a road block and have no insurance your car goes to jail and you may also. Comprehensive insurance pays for damage to your car. You have a twenty thousand dollar car and wreck it or someone else wrecks it then you get it repaired by the insurance company.
It would be your fault, so your insurance company will pay. Unless of course, you have no insurance or you flee then his/her "no-fault" insurance would pay for the damage.
You would have to pay your deductible and your insurance company would pay the rest unless you knew which car the tire came off of.
The owner of the car and their insurance company are responsible for paying for the damages as a result of the accident. To avoid this problem, you can start hiding your keys.
the car owners insurance The person driving the car would need to submit a claim to their insurance company. There are a few insurance companies that will cover not only the registered owner but anyone driving the car, however this is not usually the case.
AARP is not a insurer. They refer seniors to a insurance company that pays them a fee.
towing company should have insurance
Call your insurance company and get a claim started.