There is no deductible for liability claims.
The voluntary deductible is the amount of your deductible agreed too when you purchased your insurance coverage. It's considered voluntary because we can choose our deductibles. Of course, the lower the deductible, the higher the rate.
Yes, and your spouse will end up with an at-fault accident on their record. The collision deductible will apply to the damage on the car that your spouse was driving and there will not be a deductible for the damage to the parked car. Maybe. Check with your agent, but some policies specifically exempt damage caused by another vehicle on the same policy. It prevents people with two junkers from having driveway "accidents" where both vehicles are totaled but no one is hurt. Of course, they can still drive both cars into a brick wall.
An accident policy is an insurance policy that will pay all or a portion of medical expenses incurred in the course of an accident.
Really?... Of course she would be able to. YOU totaled it. She could take you to court and sue you for damage to personal property. You will lose.
Of course but if your deductible is higher than the value of the claim then there is no reason to.
Of course, age doesn't matter. If you have a valid license and have a current insurance policy you can claim the accident.
IF your policy has coverage for "additional structures" and most do. Then you should have coverage, subject to your deductible of course
The annual deductible is the aggregate maximum amount that the insurance policy requires the insured(s) to pay over the course of a year in deductibles. Stated otherwise, a deductible will normally be incurred for each physician's visit, medical test, or other procedure. There may come a point however, during the course of the year, when the total of all of those deductibles meet or exceed the annual deductible (specified in the policy). At that point the annual deductible will have been met and until the start of the new policy year, no further individual deductibles will have to be paid.
If they were the permissive driver of your vehicle in an accident (and got the dui), your policy will be paying for the damages (subject to any policy exclusions, and assuming the drunk was at fault) Insurance stays with the vehicle. So any rate increase that this accident generates will be on your policy, as well (of course) as your collison deductible. If you are asking what happens if they were just driving your vehicle and got a dui, no accident or loss. I doubt anything will happen. You might want to rethink who you let drive your vehicle though.
No. But they won't pay for it of course. =)
Yes. Of course you are always subject to your deductible but other wize they should pay the claim.
Yes, but it of course will not cover the accident. Also adding collision or comprehensive is likely wasted money, due to the reduced value of the car.