No you can not be liable for him using the address. It's just like when someone lives in an apartment complex if a tentant is involved in an accident the apartment complex is not At Fault. His name is on the car title and on the policy. If he is the person driving then he would be the person responsible.
There is no time set by law. The process takes as long as the insurance company says it takes.
One would or could go to various places. These places include the DMV, or the auto insurance company which distributes their auto insurance to claim an auto accident personal injury insurance claim.
In case of Car accident if your car is having valid insurance policy at the time of accident then you are liable to get the claim for the loss. While different companies have different disbursement policies and depreciation charts which would be followed for claim settlement process. Turtlemint car insurance offers a fare depreciation chart and easy claim process which simplifies the complete process and helps to get the tasks done hassle-free
As with anything regarding health insurance, it depends. Generally speaking, in an auto accident the question about medical benefits is secondary to providing the best care for the accident victim. After the emergency has passed is the time for figuring out who pays for the medical expenses. Often health insurance is asked to pay first. However, health insurance companies have a program called "subrogation" that seeks to ensure that the responsible party pays for their share of expenses. In the case of a car accident, typically the auto insurance will be primary and should pay medical expenses first. During the process of subrogation the health insurance provider will contact the auto insurance provider and negotiate who should pay the bills. See http://en.wikipedia.org/wiki/Subrogation for additional information.
Insurance under writing is the process in which under writer check the risk of the customer and charge him a premium .Insurance companies are those which gie you protection against risk and compansate your loss at the time of accident
"Root cause analysis is one of the primary means of adjudication that is used by insurance companies in accident investigations. This process is very important for the insurance company to ultimately determine fault, and thus, whether a claim will be paid or not."
Most companies do not require you to report the accident to your own insurance company, but if you later find out the person did not have valid insurance or the other insurance company refuses to pay and then you later have to file a claim on your policy, it will slow down the claim process. Plus, each state has a statute on the time limit you have to file a claim and want it to be covered.
After a collision, contact your insurance provider as soon as possible. Be honest with the investigator, and make sure to record all dealings with anyone relating to the accident (e.g. mechanics, insurance company, other party, etc.). They may help you receive your claim later.
It's a very complicated process, and varies for different insurance companies. Generally when you claim for a compensation company verify itself.
You can contact the Insurance Adjuster as soon as you like. He or She will tell you approximately how long the process will take. Contact the adjuster if you do not hear from them in the stated period. DONOT CONTACT THEM MORE OFTEN. They can and will delay the process if you are "Dificult"
When automobile accident claims are required, the individual's car insurance company should be contacted, in order to put the individual in contact with a claims adjuster or representative. Accident/regular claim adjusters will help the individual through the claims process and assess the value of the claim.
The claims process should be quite a bit easier. What some companies do is waive your deductible for both parties.