Laws will vary from state to state. In some places you must call the police only when the damage is over a certain amount. You should check the situation in the place where you live. If anyone has been injured then you need to call for medical assistance immediately. Presumably you have full car insurance. If you have a camera take some shots of the accident. Get contact details of any witnesses, especially if it is not clear who is At Fault. Do all the following whether it was your fault or his fault. Exchange contact details as fully as possible. Write down his number plate registration and driving license details. Give him the name of your insurance company. While you are photographing the accident try and get a shot of him too. If the police will come, then call them. If it seems the other driver is under the influence of alcohol or drugs, then call the police. If the other driver admits fault (for example, if he says "Sorry, that was my fault. I shouldn't have crossed that line, or whatever), write down his exact words, if possible. You may have to use them later.
the insurance of the person responsible for the accident
No. If the accident was your fault, you can not get money from the other person's car insurance.
Auto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.
If an insurance code of 989 is shown on a police report car accident who does that person have car insurance with?
You insure a car for a person or persons, so that in the event of a accident with that car, insurance can be claimed only if a named driver on the insurance was driving at that time.
Yes, if there is an accident.
Uninsured motorist coverage
Simply, call the police!
The rule of thumb is that the owner's insurance pays first and, if that coverage is inadequate, the driver's car pays.
if you have gico then no but any other car insurance will yes
Collision insurance means that if you were to get in an accident the insurance company would pay to fix your car instead of the person's that you hit.
They can