No fault laws refer to injuries only not property damage. If you have comprehensive and collision coverage on your vehicle the damage to your car will be repaired subject to your deductible, unless the driver is excluded from your policy. For the driver's injuries if he does not own a vehicle then the personal injury protection on your policy will cover his injuries, once again subject to any exclusions.
It does not matter to an insurance company that the other driver had a suspended license. Liability is determined by the factors of the accident and the evidence put forth. The fact that the other driver had no license does not affect liability or the handling of the claim.
Although it depends on your insurance, the driver is covered if driving with your permission.
Only if you are a named driver on the policy.
The owner of the car is liable for the accident itself and the damage. However, the insurance company might have to pay for it, depending on the owners insurance cover.
You need to read your policy carefully and talk with your agent. A permitted driver is usually covered. However, if the driver lives with you and you don't have them listed, they are not covered. If they are a regular driver and are not listed, they are not covered. If they have a suspended or revoked license, or if they have no license, you are not covered. It is best not to allow others to drive your car under any circumstances. If they have an accident, it is on your insurance, and the company will add them to your policy even if they cover them.
If the insurance policy is active and valid and the driver is a covered driver then you file your claim just as in any other accident.
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
When ever a driver is excluded on a policy, the insurance company will not pay out on any claims when that person is driving. Hes excluded, he has absolutely no coverage with your insurance. If he has his own policy with a different company, he will be covered. So in general when a driver is excluded, their is no insurance coverage. Its like he was driving without insurance.
if you add them AFTER they have an accident, they will not be covered for anything that happened during, or as a result of, the accident
After a car accident, one must immediately contact their insurance company to file an auto accident insurance claim, even when the other driver was at fault. Make sure to have all the other driver's insurance information so that the other company can thoroughly investigate.
If the other party is refusing to call their insurance company - then you should call their insurance company and file the claim.
If a taxi driver hits you, and its his fault, the cab company's insurance pays.