no one is At Fault it was an accident/ not enough information to determine if it was human error or car error
Yes, as long as the vehicle was on the policy when the damage occurred it will be covered.
Auto insurance covers damage caused during an accident. If the engine is damaged during an accident that's covered. If it's damaged for any other reason then that isn't covered.
If the damage occurred during the accident in question, then it should.
The repair of damage caused to your car when you caused the accident
Coverage depends on what caused the damage and when the damage occurred. If a covered peril like wind or hail caused the damage to your roof and your policy was in force at the time of the occurrance, then your policy should cover the loss. It would not matter if the roof was "put on wrong" to begin with.
Yes and no. The question should be answered by what has occurred to caused damage to the window. Your policy is a contract and state what it will protect. For example, if a golf ball goes through your window, it is covered. However, if your child throws a baseball, it isn't covered.
Glutamate
No. This is something that you did on purpose and the damage is not caused by a "covered cause" under the terms of the policy. Generally it must be damage caused by one of the covered causes and must be sudden and accidental.
hope to god the other car has 3rd party insurance. Third Party insurance covers you for damage caused by your car to property owned by a third party in the event of an accident. That means you're covered for any damage you may accidentally cause to someone else's property.
Generally an issue like this is not a covered loss on a homeowners insurance. The reason for this is that it is a maintenance issue that should have been fixed by the homeowner before damage occurred. Now if a storm occurred and a tree branch broke the skylight and then because of the storm rain came into the home. In the second case the cause was windstorm. Windstorm is a covered cause on a homeowners policy and therefore not only will the skylight be fixed but also the damage caused by the water coming into the home and whatever damage was caused by this. Most issues that are covered under a homeowners policy and ones that are "sudden and accidental". A lack of maintenance type of damage is usually something that happens over a period of time.
Your insurance SHOULD cover the damage assuming you had comprehensive coverage and not just liability. However, you might have a problem proving the damage occurred while you were still covered.
Insurance is VERY specific when it comes to when coverage starts. If you had the accident BEFORE you got insurance any damage sustained before you purchased the policy damage would not be covered. If you had an accident after the purchase of the policy then any damages would be covered.