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.
In general, insurance follows the car rather than the driver. So, if your sister is driving your insured car and is involved in an accident, your insurance would typically be the primary coverage for the incident. However, it's important to review the specific terms and conditions of your insurance policy to confirm this.
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.
They would be charged
This is normally 1 point for this type of violation unless there also was an accident involved at the same time. If there was an accident you will be charged 4 points for the total on your driving record but only 3 points for your insurance record with most insurance companies.
Then the people will be charged with insurance fraud.
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.
yes,
No, but if involved in an accident, even when not at fault, the drunk driver would still be guilty of, and could be charged with, DUI.
if u both left and someone is filing insurance claim, BOTH parties will get charged with Leaving the scene of an accident and may not be able to file insurance claim
== == Question..........Did you leave the scene of the accident? If so, you should have been charged by police. On the other hand, if you didn't run and the other driver did run away, you are OK. And YES you should all ways tell the TRUTH to your insurance company, or it WILL come back and bite you in the butt. That also applies to the NEW insurance company. Ethically you have a responsibility to be truthful about your past driving record.
Yes
It is legal for a provider to have a cash price and a a different price for different insurance companies. So yes.