You will need to check your insurance policy for the details of liability. Contact your auto insurance company for clarification and also take notes of the conversation including whom you talked to for later reference. The policy is the document of reference in any dispute.
Usually yes. It depends on the brand of insurance though. You should check with your provider to be sure.
You only get a rental if your policy specifies that you chose to pay extra to have rental car coverage. Having collision coverage is not the same thing as having rental. Collision coverage just covers the repairs to your vehicle. If you are not at fault for the accident, the other person's insurance will provide you with a rental car.
The at fault driver is responsible regardless of who has or does not have insurance. You were at fault, you get the bill. Fortunately though you have insurance. So they get the bill.
Yes. Double check your certificate of coverage though.
No. Their insurance will cover the damage to their vehicle, though they will not be happy about an unlisted driver being behind the wheel having an accident. If they have no physical damage coverage it will not be repaired or replaced.
yes the coverage is effective even though the registration is expired.
If the vehicle is insured and you do not ever drive it you wouldn't be required to be listed on the policy as a driver. Most companys though may want all 'owners' listed, for numerous reasons.
A citation or not makes no difference as far as who was at fault though it does make it easier. Also whether or not you have insurance has not effect on who was at fault. Who had the best chance of avoiding the accident is the party most likely at fault.
No, Medicare is not accident insurance. However if you are a qualified medicare recipient then it will cover the cost of health care in treating those injuries that resulted from an accident. It will not pay though for financial loss or liability damages resulting from an accident.
It depends on your policy. Your liability coverage for an accident that doesn't involve your car is a million because of that umbrella policy. For an automobile accident, your total coverage is probably 1.3 million, but might be less because of an exclusion in either policy about duplicate coverage. That's not a common exclusion, though it is possible. It depends upon your policy. You should have received a copy of your policy when you paid for your coverage. If you don't have a copy, or don't understand it, call your agent or insurance company.
No. If the accident was your fault, you can not get money from the other person's car insurance.
Depends On How Strict Your Insurance Company Is, Also How Long Were The Plates Expired. But From Your Info Sounds Like You Should Be OK. Do Hope This Helps