Your insurance will pay the contractor. The contractor gets the required permits. The contractor will have already factored in the cost of any permits needed to make your repairs into his bid for the job.
It is up to the insurance company to seek damages, not you.
At the bare minimum aircraft owners are required to purchase liability insurance covering the operations of the aircraft. If the aircraft is financed they must buy hull replacement insurance is also required.
You guessed it!
Home owners if you have it may cover
Building-Insurance-UK specializes in home owners insurance. They cater to landlords that have homes rented out or empty to cover any damages that might occur.
Every state has their own laws covering insurance and liability for damages.
No, Your Homeowners Insurance will not cover windstorm damages to your neighbors vehicle because you are not liable for acts of nature. Your neighbors will have to look to their own Comprehensive Auto Insurance to cover windstorm damages to their vehicle.
If it was your fault then your freind is liable for the damages. If it was the other guys fault then his insurance will pay for it. Keep in mind, while legally it is the owners responsibility for the damages, he can sue you if he wanted to.
It is uncertain what you mean by "driver's insurance". There is a kind of liability insurance called "non-owners coverage" that is often required under a state's Financial Responsibility Law when an individual has been in an at-fault collision, did not have the required liability coverage and when the other party's damages exceeded a stated amount, or when an injury occurs. It is also sometimes required when a judgment is entered against an individual for an auto collision and the judgment remains unsatisfied. Non-owners coverage generally will "follow the driver" irrespective of the vehicle that he or she is driving. Non-owners coverage provides no coverage for the vehicle itself such as for its repair or replacement in the event of a collision.
No,, That would be covered under your auto insurance policy. Homeowners insurance does not cover damages to street vehicles.
Yes, In fact you are required to get your own home insurance when you buy a home. You can not inherit the previous owners insurance policy. The previous owners insurance is null and void the moment they sell the home.
Home insurance is not required by any state law. Typically only a mortgage company will require home owners insurance.