the insurance of the person responsible for the accident
Liability coverage offers coverage for bodily injury and property damage to the other vehicle and passengers who you hit if the accident is your faulty. It does not cover you or anyone in your vehicle.
You are responsible for the damage you cause in an accident, regardless if you are insured or not. Having insurance transfers your responsibility to pay for the damage from you to your insurance company. If there are injuries to the other party, then the other party's insurance should pay for their injuries, but you are still responsible for the property damage you have caused the other person.
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 there was no contact between cars, then there would have been no damage to the cars. Was a person injured? What did the accident consist of? If nothing was damaged and nobody was harmed, there may have been sloppy or illegal driving, but there was no accident. And if it is a matter of a violation of driving rules (going through a stop light, for example) a police officer can issue a citation, but only if he or she was there at the time and saw it happen.
In my experience, if someone drives my car and get in an accident, I think he or her insurance has to pay for the damage of the other party and mine pays for the damage of my car. However, her insurance should go up, but not mine because I am not the one who drive at the time the accident occurs.
Your responsibilities are no different than when you "Are Insured" You are liable for "All damages", Property Damage and Personal Injury, to the extent you were the cause of that damage.
If you are at fault, your policy will pay for the other person's damage under your property damage coverage. If you have collision coverage, you will have to pay your deductible if you are at fault.
You will probably receive a citation for driving while suspended. If you were not at fault for the accident, the other party involved should have insurance that will cover your loss or damage that resulted in the accident. It is a good thing that you were not at fault in this accident.
Third Party Insurance only covers the person you have hit in the accident, you have to pay for all the damage to your own vehicle yourself. Fully Comprehensive covers all your damage and all of the other person's damage.
No, if their license was suspended they should not be driving, if they are involved in an accident and are at fault the other person can go after you since it is your car and then you are liable.
other person get sued