Auto Insurance

If the other party was at fault for the collision (negligent), you should assert a claim against the other driver/owner. Contact him/her in writing, assert the nature of your claim, and ask that they contact you to pay for repairs. Copy the insurance company with the letter, and make reference to the policy number in the letter so that the insurer can identify it and assign an adjuster. Ideally, you should get a repair estimate before or while you are doing this. Take pictures of the damage, too.

If no one responds within a reasonable time (10-14 days or so), you are free to file suit. The court in which you file will depend upon the court rules of your state, as different courts have different monetary jurisdictions, so you should contact the Clerk of Court for guidance. The lawsuit needs to be filed with the Clerk (for which there will be a fee), and a copy of the suit papers served (delivered) to the person(s) being sued by the Sheriff or a private process server (who will also charge a fee). The matter will thereafter proceed through the court system, and it will be your burden to prove at trial that the other party was at fault for the collision.

If the other party was not at fault and you have no physical damage insurance on your car, you will have to pay for repairs yourself.

There are some companies that will write a policy if you have a suspended license as long as it is not permanently revoked.

You should be able to if the leasing company clears the lien on the vehicle.

No. It's very possible that neither the dealer nor Carfax knew of the accident. Events that occurred in some states are not reported to Carfax. I've seen this occur before. Laws vary from country to country, state to state and I know that in Georgia you have an option to return a vehicle purchased if done so in the first three days since the purchase. Check with the state in which you live and purchased the vehicle and see what they say.

That's hardly enough information, but making a three point turn is a very dangerous action.

Liberty Mutual

Yes, if you have a drivers learners/ permit you do not need to be on insurance in Georgia, Tennessee, Alabama, Florida, South Carolina, And North Carolina. But, you need to be driving with a 21+ year old in the passenger seat.

No car is really considered a sports car. ISO determines the rating symbol for most companies.

It really depends on the circumstances, I would contact your claims department for more information.

Generally an 18 year old is an adult and it his their responsibility to carry insurance on his own vehicle.

An auto accident claim typically involves a claimant, insurance company, attorney, doctor(s), police officer(s), and witness(s).

I have worked with Insphere for several months and it has been the best chance I have ever had at making real money for my family. They have a great portfolio and anyone who says its a scam just don't know the facts. If companies like AARP are partnering with Insphere then there has to be some real views there. Also Insphere has some leading investors like Blackstone and credit suiss. If you look at Blackstones history then you will know its real. Understand though commission jobs aren't for everyone.

After the assets are distributed, a new policy should be written.

I would contact the agent and inform them of the named insureds passing.

Yes

nope.

Usually a citation will be issued and you will be ordered to appear in court. Most often an arrest will not occur.

Correction: 17-6-11 Of Georgia State Code states that you cannot be arrested for insurance requirements.

17-6-11

(a) Any other laws to the contrary notwithstanding, any person who is apprehended by an officer for the violation of the laws of this state or ordinances relating to: (1) traffic, including any offense under Code Section 40-5-72 or 40-6-10, but excepting any other offense for which a license may be suspended for a first offense by the commissioner of driver services, any offense covered under Code Section 40-5-54, or any offense covered under Article 15 of Chapter 6 of Title 40; (2) the licensing and registration of motor vehicles and operators; (3) the width, height, and length of vehicles and loads; (4) motor common carriers and motor contract carriers; or (5) road taxes on motor carriers as provided in Article 2 of Chapter 9 of Title 48 upon being served with the official summons issued by such apprehending officer, in lieu of being immediately brought before the proper magistrate, recorder, or other judicial officer to enter into a formal recognizance or make direct the deposit of a proper sum of money in lieu of a recognizance ordering incarceration, may display his or her driveŕs license to the apprehending officer in lieu of bail, in lieu of entering into a recognizance for his or her appearance for trial as set in the aforesaid summons, or in lieu of being incarcerated by the apprehending officer and held for further action by the appropriate judicial officer. The apprehending officer shall note the driveŕs license number on the official summons. The summons duly served as provided in this Code section shall give the judicial officer jurisdiction to dispose of the matter.

(b) Upon display of the driveŕs license, the apprehending officer shall release the person so charged for his or her further appearance before the proper judicial officer as required by the summons. The court in which the charges are lodged shall immediately forward to the Department of Driver Services of this state the driveŕs license number if the person fails to appear and answer to the charge against him or her. The commissioner of driver services shall, upon receipt of a license number forwarded by the court, suspend the driveŕs license and driving privilege of the defaulting person until notified by the court that the charge against the person has been finally adjudicated. Such persońs license shall be reinstated if the person submits proof of payment of the fine from the court of jurisdiction and pays to the Department of Driver Services a restoration fee of $50.00 or $25.00 when such reinstatement is processed by mail.

(b.1) It shall be the duty of a law enforcement officer or emergency medical technician responding to the scene of any motor vehicle accident or other accident involving a fatal injury to examine immediately the driveŕs license of the victim to determine the victiḿs wishes concerning organ donation. If the victim has indicated that he or she wishes to be an organ donor, it shall be the duty of such law enforcement officer or emergency medical technician to take appropriate action to ensure, if possible, that the victiḿs organs shall not be imperiled by delay in verification by the donoŕs next of kin.

(c) Nothing in this Code section bars any law enforcement officer from arresting or from seizing the driveŕs license of any individual possessing a fraudulent license or a suspended license or operating a motor vehicle while his or her license is suspended, outside the scope of a driving permit, or without a license.

(d) The commissioner of driver services shall be authorized to promulgate reasonable rules and regulations to carry out the purposes of this Code section and to establish agreements with other states whereby a valid license from that state may be accepted for purposes of this Code section.

Yes they can request a copy of your license as a part of your application of insurance. Usually they just ask for you number but they can request an actual copy

Liposuction is usually considered optional. Things that are required for health reasons like a heart surgery to keep your heart pumping would be.

Yes

State Farm is one competitor..

Yes; in fact, it is quite common.

One scenario in which it frequently happens is that of subrogation. When an insurer pays for the repair of its insured's vehicle, it acquires the right of action of the insured to recover that which it paid. If the other driver was insured, and if the two insurers have agreed (in advance) to arbitrate their subrogation disputes, arbitration is the only dispute resolution mechanism that may be used.

You only need to report it if you are expecting some compensation.,

Hopefully an airbag.

Liability coverage will cover damage and injury you cause to another person or their vehicle.

Your own underinsured / uninsured (UM) policy is designed to pay to you, the policy holder, if an uninsured or underinsured person is at fault and causes injury to you but that's only if the other driver was at fault and you were injured.

If you injured yourself in the accident (you were at fault), then your insurance will NOT pay pain and suffering awards. If they did, there would be many, many, many people who would stage accidents to 'injure' themselves and then claim pain and suffering awards.