Yes, as long as the vehicle was on the policy when the damage occurred it will be covered.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
Anybody involved in an accident. Damages are covered regardless of fault.
Yes,, That's what it's for. It pays for damages you caused to another.
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
Not really. There is something called a "binder", where you are covered with a phone call. But if you are in an accident, you really can't buy insurance three hours later and expect them to pay the damages.
They can, but you can sue the other driver for damages.
The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the at fault vehicle is excluded from the insurance policy then the insurance company may be relieved from it's responsibility to pay on behalf of the owner of the vehicle.
Auto insurance only covers sudden and accidental damages to your vehicle. Wear and tear would not be considered sudden and accidental. Though with all things insurance, it is always best to speak with your insurance company directly to find out if a certain item is covered or not.
Yes you can. You may still receive a citation for not having insurance, however, the legal liability for the accident does not rest with you so the adverse party's insurance carrier will owe for your damages and/or injuries.
As long as the policy was in effect at the time the accident occurred then coverage will be afforded and damages will be paid.
The driver at fault is always responsible for damages incurred during an accident. The at fault insurance company is responsible for damages to your car.
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.