I would say yes although I am not familiar with Florida law specifically. What comes to mind is a minor fender bender. The police are not always called to an accident if the parties agree to fore go calling and fault is not an issue.
No.
No.
Just file a claim with the other parties insurance company. You called the police and got an accident report, right?
never, even in the case the accident falls under a certain limit you should report the accident to allow your insurance company to protect you and itself.
Sure. People can claim anything. The question is will your insurance pay the claim. Without a police report of the accident, you may be in for a lawsuit. Never ever, have an accident and fail to call the police.
If you have had an accident with this person then his insurance information should be present on the accident report. If you have no claim on this person's auto insurance then it is not your business whether or not he has insurance.
YES and your insurance premium $$$$$$$$$$
Driving without a license is a crime. If you report that you where driving your dad's care without a license, you could get yourself into trouble, and put your dad's rates though the roof. Do not call the insurance company and tell them you where driving unlicensed. If you have your permit, and where driving legally with a licensed driver, and you had an accident in your dad's car, yes, you can report it and his insurance may cover it if he has that type of policy. If anything, your dad could report that he had the accident, though that would be dishonest.
When you are involved in an accident involving injury or property damage, you need to report it to your agent, broker, or insurance company within seven days, regardless of who is at fault. If you are unable to report it within seven days, report it as soon as possible after that. If you don't report your accident within a reasonable amount of time, your insurance company may not have to honour your claim. http://www.fsco.gov.on.ca/english/insurance/auto/after_auto_accident_ENG.pdf
as soon as you are home.
Call the police and get a police report. Call your insurance company and report it to them asap.
The Accident report should provide vivid description of the incident with timing, location along with a handwritten sketch,corroborating with the Police Report and Surveyor's Report.