insurance is insurance as long as it wasn't done to profit the owner/ yes you are covered
Yes you can. You can also be charged for drinking
It is criminal law: society's response to actions that are criminal or negligent.
If someone in a vehicle accident is injured or killed, one or all of the drivers involved in the accident may be charged with vehicular manslaughter or felon reckless or drunken driving, depending on the circumstances. The driver charged does not necessarily have to be the one who caused the accident.
the insurance companies can place the blame on you because you were drunk and shouldn't have been out on the road.
court of limited juristiction
I assume your question refers to a car that was financed and was involved in an accident an it was a total lost. The insurance company pays the bank, the car belongs to the insurance company.
Reckless driving is a misdemeanor in California, not a felony. However, if reckless driving results in bodily injury or property damage, it can be charged as a misdemeanor or a felony depending on the circumstances.
The ticket only says careless driving, so that is all you will get charged with. If you are charged with reckless driving, you can present the ticket as proof you were not given anything about it.
The standard insurance companies would not insure you if you are involved in drunk driving. Once you are charged with drunk driving, the standard insurance company will cancel your policy, subject to your insuring yourself in the specialty market - high risk insurers like Pilot insurance, Echelon insurance or any other company.
It is possible, if you're charged with reckless endangerment or a similar charge.
They would not necessarily have a criminal record but they WOULD have a DMV record of the offense.
If I understand your question you are in an accident not your fault and it was settled, but the insurance was through a different company than the one you had ? I think they can hike the rates.