the person that owns the car
The driver's insurance would then be considered "secondary," meaning if the owner of the auto didn't have insurance, then if the person driving the car had insurance, they would be liable.
yes. Always responsible.
Yes, they are through their homeowners policy.
No, they will give you the current book value of the car at the time of the crash.
Then you may be liable for any damage that you caused to someones property or person.
If you have an auto accident and you are found to be at fault, then if taken to court you can be liable for all damages. You could potentially lose everything that you have.
Yes, If there is no other insurance company or policy liable. For example if there is another policy liable, Medicare will share in the cost after the auto policy has paid its responsibility. We have seen cases where Medicare has paid claims and ultimately requested reimbursement from the individual because they later found another auto policy that covered the accident.
in some places yes
You are liable for everything. Fixing the car, paying for the car (the balance of the contract) and repo fees.
Generally barring any exclusion in the policy.
Not unless you received a violation for the accident. Otherwise it will show on your record as a not at fault accident and should not raise your rates.
Depending on the state. In Georgia you are liable for state tax on money earned from an auto accident injury claim. Some states do not have state tax's or tax codes that would apply. Federal taxes are due in all states.