Not sure what you are asking. If you had no insurance and caused the accident you are responsible for paying for the other driver's damage and injuries. If the other driver was At Fault, you are entitled to payment for your damages and injuries from either the driver/owner of the other car, or their insurance company. If you had your own collision insurance, you could make the claim with your company and let them worry about collecting, but if you don't, you will need to file the claim with the other party's insurer or hire a lawyer and sue them.
Your insurance will care of the damages. If you don't have insurance, the other parties insurance will take care of the damages and then go after you.
yes
You pay for all damages if you were at fault, and get a citation and fine for not having insurance.
The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the at fault vehicle is excluded from the insurance policy then the insurance company may be relieved from it's responsibility to pay on behalf of the owner of the vehicle.
This depends on many factors, including the ability of the other person to pay for your damages. Some insurance policies will not require you to pay a deductible. Others will. If the other person can pay for the damages, you and your insurance will not have to pay.
They can, but you can sue the other driver for damages.
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
yes
As long as the policy was in effect at the time the accident occurred then coverage will be afforded and damages will be paid.
Having insurance in general is important; auto insurance especially. Not only is it illegal to drive without auto insurance, but if a person were to get into a car accident, he/she would have to exchange insurance information with the other person involved in the accident. A hefty fine can follow if he/she does not have insurance. The insurance will pay for the damages done so that he/she does not have to pay out of pocket. The same goes for homeowners' insurance. If damages are done to a person's house, then the insurance will pay for the damages. Overall, it doesn't matter if it is 21st Century Insurance or another insurance company. Insurance is very important to have.
How much is what? If you cause an accident, you will need to pay for the damages. If you are cited in a traffic violation, you will need to pay that separately. If you use insurance to pay the damages, your premium will probably raise.
When you allow someone to drive your car, you are giving them the coverage of your insurance. If they were to get into an accident, your policy would pay first.