Absolutely. You have an obligation to report it to your insurance company and to cooperate with the settlement of the claim. If it was very small you can try to deal with the person directly to keep it from going on your insurance. Be carefull with this because you can't try to settle it your self then turn it over to your insurance company. You can contact them and ask them to get an estimate before you decide.
litigate against the vehicle operator personally.
Well it depends. Most states allow the collection of the deductible. Say $500. (assuming the person at fault in the accident is being asked for money) Generally though, the person would still have to take you to small claims court to collect. Only a collection company or a court judgment would show up on your credit reports. If your husband had no insurance at the time of the accident, he could be responsible for the entire cost of the repairs!
If you have had an accident with this person then his insurance information should be present on the accident report. If you have no claim on this person's auto insurance then it is not your business whether or not he has insurance.
It depends on how serious the accident is, but if it's just a "fender bender" then the person behind you is responsible and it's called, "Undo care and attention." If the accident is serious and someone has been hurt, the police are called and they investigate the skid marks, etc., to see who was at fault. Marcy
If you were involved in an accident with this person then their insurance information will be listed on the accident report. If you were not involved in an accident then it is not your business who they have insurance with. Much of this is covered by the privacy laws so if you really have to know ask the person.
the insurance of the person responsible for the accident
Get the person's licence plate information and car description. The person who flees the scene could be charged with hit and run.
dont do nothing just relax and watch a movie
Yes, If the accident was your fault, then it is your fault. Whether or not they have insurance has nothing to do with who's at fault, or who actually caused the accident.
No. If the accident was your fault, you can not get money from the other person's car insurance.
Uninsured motorist coverage
First, you cannot find out what insurance company another person uses as this is a privacy issue. If you have had an accident with this person, the insurance company will be listed on the accident report. This is your only option for getting the insurance company name, unless the person wishes to tell you.