No. As long as you were not involved in the accident then it shouldn't affect your driving record. You must also not be the owner of the vehicle that was involved in the claim.
Sorry, the driver with no insurance can claim of your insurance. He/she has no legal right to lodge such unauthorised claim.
insurance follows the vehicle, not the driver. If you loan your vehicle to someone, you assume the risk of them having an accident. Only if there is no insurance on the vehicle would the driver's insurance become effective for the loss of a vehicle not owned by him.
What happens when an insured driver hits someone depends on the state you live in. In a no-fault state you present your claim to your insurance company for payment. In a tort state, you would sue the driver for compensation. If you have uninsured driver coverage, then your insurance company should cover you and/or your vehicle, up to a certain amount. You should check with your insurance company to be sure.
yes. you can sue an at fault driver if his insurance company refuses to pay your claim. it would not be proper to sue the insurance company.
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
It is up to the driver to subit the auto accident claim. You should submit the claim as soon as possible after the accident.
It's going to be very difficult to claim that it's not the fault of the person who was breaking the law by driving illegally.
It makes no difference. It is still a valid claim, regardless if the other driver has the same insurance as yours. The same laws and regulations apply.
You can only claim against the rental company if the driver took out their insurance. If he has his own separate insurance, that is where you need to make the claim.
If a person is listed as a driver on someones insurance they can file a claim themselves. The person living abroad can also initiate a claim on behalf of the driver if they wish too.
If the insurance policy is active and valid and the driver is a covered driver then you file your claim just as in any other accident.