It depends on what type of insurance policy you have. Some states have the "no-fault" insurance policies wherein the insured party may be compensated regardless of who is At Fault in the accident.
You need a life insurance policy to cover the risk of death and a health insurance policy as a cushion against hospitalisation expenses. Buy Personal Accident Insurance Coverage :
Property damage liability car insurance will cover the individuals car and property that you hit. It will not cover anything to do with your vehicle if the accident is your fault.
The at-fault party's insurance should cover your vehicle. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?
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.
My plan was denied and it was not my fault it was the other drivers fault because police and show up to make a police report it is really his mind
Yes, If the accident was your fault, then it is your fault. Whether or not they have insurance has nothing to do with who's at fault, or who actually caused the accident.
Yes, but only as a secondary coverage to all other auto insurance claims you might have (like bodily injury liability against the at fault driver or personal injury protection coverage in no-fault states).
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
Auto insurance, and if you are hurt by the accident, then health insurance too, but you will need health insurance for the second to file a claim for injuries, and health insurance is optional. Auto insurance is required by law. If it is someone else's fault however, then they must pay for all the damage to you, your car, and themselves.