that does not matter, the person who rearended will be at fault
Call the police and/or the company that owns the vehicle
any time you are rear ended, it is the other driver's fault, from an insurance standpoint. if you have comp and collision, your insurance company will get you a replacement vehicle. If you only have liabiliy, i am sorry to say, you get nothing.
depends on individual state laws. were you sighted for anything. more importantly, was he? ask your ins company to be sure, but i'd fight it.
Afro-American Life Insurance Company ended in 1990.
Home State Life Insurance Company ended in 1958.
In New Jersey it is the driver who rear ended him who is at fault. However, that does not mean that the illegal unlicensed driver will not face deportation.
Many states have laws that automatically assign blame to a drunk driver since he/she shouldn't have been on the road in the first place. But for the purposes of the insurance company, blame will be placed on the driver who rear-ended someone else unless there is proof that the driver in front slammed on the brakes to force the other driver to hit him. That's very difficult to prove. Obviously the drunk driver will be charged with Driving While Impaired and will get a hefty fine. The other driver will probably also be held responsible. Neither insurance company will be happy and both drivers will get to have SOME bad news.
First of all insurance companies don't cancel policies without notice. Second, it doesn't matter if you had current coverage or not if someone else was responsible for the damage to your car. File the claim with the insurance company that was covering the at fault driver.
If your COBRA continuation of insurance ended, it depends on why it ended and how long ago it ended. For lack of payment or fraud, you may not be offered a conversion policy. If the COBRA duration period elapsed, you should get a notice about your conversion rights, as long as you were HMO or PPO (not self funded).
The presumption is that if you were rear ended, the other driver is at fault. The brake lights not working is a mitigating factor, but the bulk of the blame still goes with the other driver. Insurance doesn't have any relation to fault. But it coculd get you a ticket.
Bummer.
Yes. Say that you were invovled in a 3 (or more) car accident, where one car stopped short, was rear-ended by your car, and then your car was rear-ended by the car behind you. Your insurance company would pay for the back of the car you hit and the front of your car. The insurance of the driver behind you would pay for the back of your car and the front of the car behind you.