A person needs personal accident insurance if they are young. It fills in a gap that other insurance doesn't cover from minor to major accidents. For instance a singer may lose their voice thereby losing their income.
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.
A Personal Accident Insurance is an insurance which covers a person from accidental death and disablement. The disablements include permanent total disability, permanent partial disablement and temporary total disablement.
The insurance for the vehicle you drove will be primary, your personal insurance will be secondary. Be honest and give them the info for the person who owns the car, and your personal insurance info.
You need a life insurance policy to cover the risk of death and a health insurance policy as a cushion against hospitalisation expenses. Buy Personal Accident Insurance Coverage :
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.
If you were involved in an accident with this person then their insurance information will be listed on the accident report. If you were not involved in an accident then it is not your business who they have insurance with. Much of this is covered by the privacy laws so if you really have to know ask the person.
It is meant to protect you in case you injure or kill another person.
This depends on many factors, including the ability of the other person to pay for your damages. Some insurance policies will not require you to pay a deductible. Others will. If the other person can pay for the damages, you and your insurance will not have to pay.
the insurance of the person responsible for the accident
Insurance polices and carriers differ. A person would need to contact their insurance company to see how long they have to file a claim. In Oregon, a person has up to 10 years to file a personal injury lawsuit in court for a car accident.
The car insurance in which you are looking for is called 'no fault insurance'. It is regulated state by state and not all states require you to have such insurance, some states have only require one to have liability insurance.
CTP green slip insurance refers to compulsory third party personal injury insurance. This is required insurance to be bought when registering a car that provides coverage when the person driving the car is at fault in an accident.