I would get your insurance company involved, they are there to keep this from happening.
Yes. The terms of your insurance policy are not relevant if the other party is at fault.
No, they can't refuse. Not having a person on your policy and having liability only doesn't mean that the responsible party is relieved from accountability. File a claim with the other party's Insurance co, if not sue the other driver, as long as you can prove that they were at fault.
The at-fault party's insurance should cover your vehicle. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?
That is going to depend on the state.
Possibly. Ask your agent.
GET IT IN WRITING!!! Having an oral admission of guilt from the guilty party when YOU are on the report as the guilty party doesn't mean a thing.
yes,because i might be covered with the third party
In a case of word vs word and no witness or other proof on either side, the insurance company has a responsibility to their insured and must take their version of the accident, in which case, they would deny the claim to the other party in the accident. what if the at fault driver admits her fault but insists to settle outside of her insurance, but meanwhile refuses to pay for the damages
If the accident was your fault, the other party's insurerhas no duties owed you.
If the other party was clearly at fault in hitting your vehicle then their insurance will pay for the damage to your vehicle. The key is that it is their fault. The way you word the question you don't state that they were at fault but that they hit your car. If it is determined that they were at fault then their insurance pays, if you were at fault then your insurance pays.
Florida's no fault car insurance pertains to medical payments. The insurance states that the insurance company will pay for your bodily injury claims regardless of who was at fault for the accident. Damage done to property (i.e. the car) would still be covered by the at fault party. The Florida no fault car insurance is a benefit because one does not have to worry about not having their medical needs covered because the accident was the fault of the other party and they do not have sufficient insurance.
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.