Probably the second one, because the first could sue YOU for trying to make them pay for damages they didn't cause. Unless the second person is your friend who wouldn't talk about it and you never bring it up again or call the police on it.
They could sue you for whatever damages, medical bills and pain and suffering, they incurred. They could, theoretically, take everything you have.
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
A mitigation strategy is a way to control damages. It is a way to decrease the cost of damages and recoup some of the losses incurred when a tort is committed against someone.
You can be sued for injuring someone, even unintentionally (as when someone gets hurt on your property). Then you are liable for damages. Liability insurance pays the damages if you lose a lawsuit.
If someone causes damages to your property, they are liable. This means, however that you have to deal with their insurance company directly, rather then your insurance company doing it for you.
No, that's what car insurance is for. If someone hit your car, that person is the one liable for your damages, not the property owner where it was parked.
yes
When you cause an accident that damages another vehicle or hurts someone
Insurance is supposed to return the car to the condition it was before it was stolen.
You guessed it!
Yes, if you have collision insurance. It would be a collision claim and you would have to pay what your collision deductible is. If your car caused damage to someone else's vehicle or property, you would also be liable for the damages.
If you hit someone in a car accident and you have auto insurance even if they don't your insurance will cover repairing both automobiles.This is why you carry insurance. You will not be charged anything for the repairs to the other persons automobile.It is always best to let the insurance pay for it! It beats the other party suing you, that can get ral ugly and make your insurance go way up if you loose.