Your insurance is responsible. Insurance is tied to the car, not the driver. That's why insurance on a Lamborgini is so much more expensive than the insurance on a Ford Focus.
When a car is uninsured and it involved in an accident, the owner of the car is responsible for its damages and that of the other involved cars. This rule applies even if the driver has his own insurance cover on a different car.
First of all you are really lucky that this accident was not your fault. The person who was at fault is responsible for your vehicle damages. If he is insured, then it is his insurance company that is responsible. ** Depending on your states laws, you can loose your drivers license for up to a year for not having insurance and being involved in an accident. If you received a citation at the scene of the accident for no insurance, you need to pay for that also.
The driver at fault is always responsible for damages incurred during an accident. The at fault insurance company is responsible for damages to your car.
Anybody involved in an accident. Damages are covered regardless of fault.
Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. Collision will pay for both damages caused in an at-fault accident and damages caused in a not at-fault accident if the other party did not have insurance. If the other party did have insurance and they were responsible for the damages, the other party's liability insurance would pay for your vehicle damages through Property Damage coverage. You are responsible to pay for your collision deductible for at-fault accidents before a claims payout will be made.
Depends. If said friend has insurance then in most cases their insurance will cover the damages due to vicarious liability. If the friend does not have insurance, you are then responsible for any damages caused.
The owner of the car that caused your damages will be responsible to pay damages to you unless you live in a no-fault state. In that case, your insurance pays for your damages.
You guessed it!
Once the agent takes possession of the vehicle, they are responsible for any damages which occur.
It depends on the state the accident occurred in. In California the renter is responsible. Again this varies by the state of the accident.