More than likely, yes. The car was the responsibility of the person driving it at the time of damage, regardless of the circumstances.
You are NOT liable for any part of the damage (including deductible) as long as you are driving with your friend's permission.
No, you are not responsible for the damage.
Yes, homeowners insurance will cover garage door damage. You may want to look at your policy to find out what your deductible is. If the deductible is more than the cost of the repair to the door, it would not be beneficial to file a claim.
Yes, but you would have to pay what your homeowners deductible.
The insurance follows the VEHICLE not the driver. The coverage that is on the vehicle will apply. IF the damage is under the deductible...this may want to be paid out of pocket. Who should take responsibility...well, that can be argued, but usually a friend dhould offer to pay the damages as they did the damage. YOU caused the damage, YOU are responsible to pay to fix it, out of your OWN poocket. It is called being a "ADULT" and taking responsibility for your own actions.
No. The deductible only applies to your vehicle.
If you have comprehensive coverage it will be covered. 'Flood' is a named peril listed in all auto policy contracts and most likely will be covered without a deductible.
Yes, subject to your deductible. Call your claims rep.,
After you meet your deductible
In terms of auto insurance, the deductible is the amount the policyholder is committing to pay if their vehicle is damaged or stolen before the insurance company is responsible for paying out a claim. A deductible applies to both comprehensive and collision physical damage coverage. Comprehensive will pay for damage or loss to your vehicle resulting from fire, theft, vandalism, hail damage, and wind. Collision pays for damage caused by an accident. You will be required to choose a deductible for each coverage ranging from $0 to $2000. While higher deductibles offer lower auto insurance rates, you will be responsible for paying this amount before the insurance company will cut a claims check. Choose a deductible that is practical for your situation.
The premium is what you pay for the policy. The deductible is what the insurance company will not pay for what is covered. For example you buy a car policy for collision. You pay the premium of $50. If you crash the car, the company will not pay any thing less than the deductible. If the deductible was $1000 and you sustained $1500 damage, the company would pay you $500. If the damage was less than the deductible, you get nothing.
If you are at fault, your policy will pay for the other person's damage under your property damage coverage. If you have collision coverage, you will have to pay your deductible if you are at fault.
It is the liability portion of your auto policy that pays for the damage to another vehicle that you hit. There is no deductible to fix the other car.