First of all it is the responsibility of all drivers to stop for the unexpected. "Ghost" drivers who cut people off which results in you hitting the guardrail are often times considered an "At Fault" accident unless you have a witness to the accident that will confirm the "ghost" driver.
You will continue to pay insurance premium to renew the policy,irrespective of the claim to be submitted after truck accident.
YES and your insurance premium $$$$$$$$$$
Personal accident insurance covers the insurance in case of an accident during working hours and leisure time. Accident insurance varies based on the premium, but it usually covers the hospital expenses and additional expenses.
Yes
Yes, the general idea of insurance is that your rates go up when you cause an accident and they are forced to pay out.
If the accident goes on your driving record, yes.
You can get a free quote for you car insurance from safeauto.com. Simply select your state and fill out the application. If you have had a car accident before, or you are likely to have an accident, your premium may be higher, so you might want to choose an insurance company with a lower premium.
If a claim is made against his insurance...yes.
A premium is the amount of money you pay the auto/health insurance company monthly, quarterly, or biannually whether or not you get in an accident or go to the hospital. The higher your premium the lower your deductible, and the lower your premium the higher your deductible. A deductible is the amount of money after you get in a car accident or visit the hospital before your insurance company pays anything. After you have met your deductible the insurance company covers the rest of the expenses.
No. However, you may have provision in it that will pay for your premium if you are unable to work.
Usually if an accident is determined not to be the insured's fault, then their insurance rates will not rise as the insurance company did not lose any money from covering the driver involved in the accident. If the accident is determined as being inconclusive, the rates may rise some, to adjust for the amount of money the insurance company lost in the accident.
This depaends on the fault of the accident. There is no way to tell the answere to this question as there are many factors involving this. Is this the 1st accident, state, insurance company.....