You can always file a claim on their policy. If they do not cooperate with their insurance company, the company has to give them the state required days to respond before they make a ruling on fault.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
Well Someone will sue you and the insurance will do something about it!
you pay alot of money stupid
What happens when an insured driver hits someone depends on the state you live in. In a no-fault state you present your claim to your insurance company for payment. In a tort state, you would sue the driver for compensation. If you have uninsured driver coverage, then your insurance company should cover you and/or your vehicle, up to a certain amount. You should check with your insurance company to be sure.
We typically contact our insurance company and report the accident and the circumstances. That way the insurance company can pay the bills for you.Answerthe insurance company raises your rates and pay a deductable
If you have comprehensive insurance, your policy will cover the damages (less a deductable). In this case, your insurance company will sue the at fault driver. You can also sue the at fault driver for damages (if you do not have comprehensive).
They or their insurance company needs to pay for damage and medical bills in the accident. If they don't have insurance, they can still be sued for the accident by the victims insurance company.
The other person can sue you because you are at fault for the accident.
At-fault state laws apply.
No, if it is your fault you are not eligible to received diminished value from your insurance company. It has to be a third party claim, ie the party at fault's insurance company pays the damages if you can recover them.
The insurance company has no reason to raise your premium, the situation was completely out of your hands.
You will need to make a report to both insurance companies. Even though you are not at fault your insurance company will still want to know. Unless the other party takes the blame right away and tells there insurance company that it was there fault then you do not need to tell your insurance. But I always recommend that you always talk to your insurance company about the accident.