Any accident can cause your insurance to go up even if it wasn't your fault.
No. As long as you were not involved in the accident then it shouldn't affect your driving record. You must also not be the owner of the vehicle that was involved in the claim.
It is good to tell your insurance company within 24 hours of the accident. This way you can receive money from your insurance company soon so you can get your car fixed.
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.
If the accident was your fault and someone else was involved their uninsured motorist insurance will pay for their damage. The bad news is that they WILL sue for the amount they had to pay out.
Rephrase this question: make sure it's only one question.
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.
file and pursue a claim or dont. If you do file , file a police report, get a copy of the report and have your property insurance company pursue the claim against the insurance company covering the party or parties involved in the auto accident
If they were driving it with your knowledge or permission, yes. Actually, no it won't. Each person is liable for their own actions, regardless of the car they are in. The driver's insurance will go up and would also be liable for any criminal acts. I would assume that if someone else is involved in an accident, while driving your car, your rates will go up? Your insurance will NOT be affected if someone used your car and got a citation BUT,,, If they had an accident and had NO insurance YOU would be involved. If your registration and or insurance is not up to date, you and the driver will pay some fines and get violation points for the above.
Probably. When you purchase insurance, you are insuring the car. If you drive someone else's car and have an accident, their insurance should cover the costs (but their insurance *may* sue your insurance company for compensation/reimbursement.)
The way car insurance works after an accident is that a report must be made to the insurance company. They will review it and then decide what you new insurance cost will be. Answer: Accidents need to be reported to your insurance company as soon as possible whether you or someone else caused the accident. If police were called to the scene then you must obtain a copy of the police report as well to be sent to your insurance company. All of this if you plan to file the insurance claim through your or the other drivers insurance. Some have accidents but the repairs are so minor that they pay out of pocket rather than getting the insurance companies involved.